Does anyone else find the thought of sex/physical intimacy overwhelming?

So I'm a virgin 20F and I had a date the other night where it was obvious the guy wanted more even though I mentioned over text that I want to take it slow and that nothing would happen. We kissed at the end of the date and even that I found super overwhelming let alone anything else. He then wanted to come in which I said no to. I just can't help feeling frustrated with myself for always knocking guys back. Part of me wants to be intimate with someone but I don't have much of a sex drive and each time I even think of sex I feel like I'm going to panic. It just seems so insanely vulnerable to me to be naked in front of someone you don't know that well letting them see you like that. Obviously I would prefer to be intimate with a long-term boyfriend but I've not had one and I never seem to connect with a guy enough for there to be relationship potential so I feel kind of stuck with this pressure of casual dating. How come hooking up comes so easily for some people? Any way I can reduce my anxiety?

Does anyone else find the thought of sex/physical intimacy overwhelming?
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