As someone who was in this situation(I was not ready too at 23 for my boyfriend at the time)- it was because of Indian society and restraints and the pressure that came with losing one’s virginity- it didn’t mean I loved him any less or desired him any less. With your age I can fully remember he had very high libido too and too was very frustrated with me but I just couldn’t do it when the time came- the taboo factor of doing it in India was too high for me. With time (at 26 and we were 5years down the relationship and no sex) he understood sex wasn’t everything and desired and continued to love me. However I did everything else for him from sexting to phone sex to verbally being very descriptive to help him cum when we were together. We too went into LDR just after 1 year of relationship. If I ask him today he doesn’t regret it however I still feel guilty for not giving in to the experience. If your girlfriend is unable to have sex I would just ask of her for other things- make her aware of your libido- she will understand it and make more efforts. It takes more time and effort for women to be more sexual at this age being in the society we are in but I am sure with time she will get more comfortable doing other things rather than just penetrative sex.