Here's the situation,
1. Her self-esteem. There are three versions of attractive. (A) How the world sees the girl, (B) how you see the girl, (C) and how the girl sees herself. This girl has moderate-to-low self-esteem, at least about her looks.
Why do I say that? If you had rock hard 6-pack abs, and a ripped tan 300 Greek-God body, are you saying you wouldn't flaunt it in every other guy's face? And if not in every other guy's face, what about every girl's face? In short, the media has taken its toll on your girl, and she has body-image issues.
2. Disanalogy. Girls that don't have body-image issues, would have either dumped you or farked you by now. I had a 7 with the confidence of a 10 go downtown on the first date; an 8 with the confidence of a 10 go all the way on the 2nd; but a 9 with the confidence of a 6 take up to two weeks. Given that the girl likes you, which she definitely does, there's a direct correlation between how a girl feels (ABOUT HERSELF) and how comfortable she is having sex with you.
3. Female Sexuality. All that "I don't want to feel (used/like a piece of meat/like your wh*re/etc.) crap" is all BS. That's exactly what a girl wants to feel like. The same way that a guy's self-esteem is bolstered by the quantity and quality of girls he sleeps with, is the same way a girl's self-esteem is bolstered by (1) how much her man wants to bone her, (2) how much he enjoys boning her, (3) and knowing she makes him feel like the luckiest man in the world, to have such a privilege to be boning Aphrodite (Venus) herself.
4. Analysis and application. Are you seeing the connection?!? Would you like us to spell out the sexual nexus between her female psychology and her less-than-perfect self-esteem?
A. Please don't try and get laid. You already are laid, because she's basically at your disposal. You not having sex yet, has largely been a result of your own choice to not go ahead and do the following:
B. Compliments! Yes, lots and lots of compliments. Ears are to women, what penis is to men. Stimulate them! Don't be afraid to compliment her! The no-compliment rule is only in the beginning. I think you're far down the line where you can (and should) let her know just how HOT and BEAUTIFUL you think she is.
C. The hotter and sexier she feels about herself, thanks to you, the more comfortable she will be with you; sexually. Right now, without any compliments from you, she feels inadequate. YES! That stunning HB9 feels inadequate! Why? Because you've already won her over! Now she wants to make you happy! She wants to be the woman you want to fark, and whom you enjoy farking so bad. But right now, she feels like she's a fat, ugly, below-average, flat-chested, flat-butted, not-as-pretty-as-other-girls, sex toy. That if you have sex, you won't really want her that much, and you won't really enjoy sex with her that much. All she wants is for you to enjoy it.
D. All you need to do is to "prime" her. This is not really a sneaky, underhanded, or even manipulative process. After all, it's what she wants, and what she's longing for. It's a short, but necessary, precursor to the sex she's also longing for. If you're not making her comfortable, it's YOUR fault; NOT HER FAULT! Is that such a hard job to do as a man? Penis and Compliments?
E. To that end, make sure it is YOU who isn't the one AFRAID or NERVOUS about having sex with her, because of your own self-esteem issues. Often times, guys "want" to have sex with a girl, but they don't pull the trigger to the gun they're already holding because they're the ones that don't feel sexually comfortable. They then project these feelings onto the girl they want to have sex with, and see her as HER BEING THE ONE WHOM ISN'T COMFORTABLE SEXUALLY.
Best,
SF