I’m not impressed with her claim that she is afraid to initiate sex.

There are ways to express an interest in having sex other than what she is doing.

Gentler, more romantic, more exciting, more loving ways.

She should use them.

I’m not impressed either with her tears over not being able to invade your private areas whenever she wants to.

You might want to look into emotional blackmail. Maybe not intentionally, but in what she says about being afraid to initiate sex, and in what she says about invading your private areas, she seems to be attempting to make you suffer emotionally for not complying with her demands.