Please be as blunt as possible

Girl I've "been with" for a month, been officially with for 2 weeks. Was a virgin before we met. She's from overseas, goes to college here with me. She makes me food, cleans and makes my bed, very feminine, and pretty smart.

Problem is, if I'm getting everything but sex, is it really worth it? We've done everything except for Piv sex because when I first tried she started crying when I went in, then the following times she'll put up LMR like you've never seen ranging from not wanting to be pregnant to I'm only using her physically, to she wants to save it for marriage.

I thought this was because we weren't committed to each other so she didn't want to feel like a hoe so I was like alright, I'll ask her out. Surely that'll get me the sex I want, right?! (I don't know why the hell most guys, myself included, think like that). Long story short, 2 weeks in the relationship with the same things still happening.

This is where I was asking earlier about sex with a virgin. Thinking it's because she's tight I decided to take things slow and loosen her up/have her trust me and follow my lead. Last night I could easily get my fattest finger in there and she didn't complain about it hurting anymore. Thinking we could fuck I grab a condom then her LMR starts again. There's no problem when I go down on her or vice versa, dry humping, or even hand jobs, but when it comes to PiV sex, everything changes.

She fell asleep on me one day and I saw her phone where her and her friends were calling me a player and telling her to not have sex with me and stuff (even though they've all been getting fucked lol) and I feel that she's using sex to hold like a carrot in front of me.

Thoughts?