What to do when your girlfriend is hesitant to be intimate?

I've been speaking with my girlfriend for about 1 year, and we've been exclusive for about 7 months. Things have been going pretty good and I really like her. We both currently live with our parents. Not because we can't afford our own places, we both have reasons that are too long for me to go into. Just know we are both financially stable. We often go out to restaurants and do certain activities such as bowling, movies etc... Most of the time I pay, but sometimes she pays. The biggest issue has been intimacy, it's nonexistent. We have kissed, cuddled up at park, movie theater and other places. Because we both live with our parents, and we both have really religious parents, we are unable to go to each other's houses. I've suggested us getting a hotel, but she always says, "I'll let you know" or "We will see". I've brought this topic up before and she gets uncomfortable when I do. At the end of the day, we are adults and intimacy should be part of our relationship. She tells me that she is waiting for the right person to have intercourse with (she told me she is a virgin), I am not. She mentioned if it happens it happens between us. Honestly, I feel like she doesn't really like me or else it would have happened already. I saw the signs and chose to ignore them because I really like her, and she has a lot of great qualities. But my brain is telling me I might be wasting my time. And she is only using me to go out and have fun. I feel I need to have this conversation with her one more time and be very direct and let her know if she is waiting for marriage, she needs to let me know that. So, I am not wasting my time. I've never had to wait 7 months or more to be intimate with a partner, and I would say I have been really patient. Just need advice on how I should proceed. We are going out tonight and I want to bring it up. She currently lost her grandma and has been dealing with family and work issues. So I am thinking maybe I should wait.

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Dignaga

Sometimes women want to wait till marriage.

Sometimes women are born with horrible defects, or are Hermaphrodites.

Sometimes women are just really hairy down there and procrastinate about shaving their legs or other regions.

Some women are just scared of sex.

You gotta feel out which of these is her problem. If it's marriage just ask if she is waiting till marriage.

If she's a secret Hermaphrodite, go out with her and get some Italian Gelato (I suggest coffee or butter nut pecan), and in the middle of the conversation ask her if she has a little dickie and if that's the reason she isn't putting out. Don't act like it's a big deal, just throw it out there like idle chitchat. No pressure, relationship isn't in jeopardy if you say yes, you'ld just like to know why she isn't putting out. Does she have a dickie?

If she is really really hairy.... ask yourself about her outfits. Is she always wearing full length skirts all the way down to her ankles? I got "accidentally flashed" by a college student on the steps heading down to the bus stop, she was below me, was readjusting her skirt.... I saw hairy scottish man legs. I felt like I was personally assaulted, and it bothers me half a year later still. It's best for a man not to see that sort of thing. She apologized half heartedly like it was no big deal, but it was. I'm scarred from it.

If she is scared of sex.... that's a hard one. I'd start tickling and wrestling her on a regular basis. Thrust a little on occasions when you pin her down. Light wresting, don't go all out. Act like you are evenly matched most of the time in arm to arm grappling. Get a peck or two in on her lips. And if you haven't asked her if she is a hermaphrodite yet, run your knee along her crotch and see if she squeals in pain, could be a indicator you just crushed her testies.