There's no rush and no reason to do anything because you feel embarrassed. Some people, and I'm one of them, just need an emotional attachment before having sex or it doesn't feel right. I would recommend being honest with your partners about how you feel about it. You don't need an excuse if you don't want to do it.
Sex creates quite a bit of emotional baggage good or bad. If you try to have it when you aren't ready, and don't enjoy it, it will become more difficult to do so or want to do so inthe future because you have associated it with a negative experience.
If you do decide you want to in the future, make sure you are with someone who can go at your pace and is understanding to your apprehension. That will make all the difference in the world when you know if you say stop, they'll do so and not berate you for it. Sometimes a bit of trust needs to be cultivated before you can leave yourself so vulnerable.
Sex creates quite a bit of emotional baggage good or bad. If you try to have it when you aren't ready, and don't enjoy it, it will become more difficult to do so or want to do so inthe future because you have associated it with a negative experience.
If you do decide you want to in the future, make sure you are with someone who can go at your pace and is understanding to your apprehension. That will make all the difference in the world when you know if you say stop, they'll do so and not berate you for it. Sometimes a bit of trust needs to be cultivated before you can leave yourself so vulnerable.