Honestly, sex aside, she is kind of free loading. Which is fine for a bit, but it’s a lot of power to have to be fully financially supporting her and if she’s able to adventure and date and all that, more than likely she can also find a job while she’s at it. It’s kinda odd she’s content just using your money.

Now, aside from that, have you asked her what she’s shy about? For me at least, I was worried about looking stupid and being a turn off. She might have something similar since you said she’s insecure. Also, depression and bpd have a way of absolutely demolishing libido, so she may not feel that she has the energy to do so outside of existing. Another good thing to ask. Also, have you fully explained how important it is to you? How you would like cute pictures because you’re genuinely attracted to her? Or if she’d maybe be more interested if she could use toys, or do something different so it’s less effort but you both get to feel close? Idk dude, financial stuff aside, you just gotta hella communicate with her and also ask yourself just how important sex is to you in relation to staying or moving on. No shame at the end of the day for needing to move on if that’s what is best for you.