I've had girlfriends with insecurity issues, and they were real insecure about sex. We might have sex once a month, if I brought it up a lot. Lesson: dump her and find someone else. I don't think your gf is going to budge. I mean, you are 27, at the peak of your sexuality and hormones. You deserve more. She is not going to change because she doesn't have the balls to address her fears. In order to grow as a person one has to address their fears. You addressed one of your issues, now it's her turn to address her sexual issues.
Waiting for the "right" girl was a romantic notion I also had when I was a virgin. And as soon as I had sex, I promptly tossed it out as complete crap. My first time was great, and I wasn't going to wait 4 weeks for more sex. So I dumped the girl shortly therefter and began looking for confident girls who weren't uptight about sex. IMO your gf is not just "inexperienced", she is just plain uptight about sex, and will give you any reason to avoid it. And that's how your relationship will be. Forever.
Now it's up to you to decide what you want to do: stay with her with little or no sex, or find someone who will have sex with you. You can fall in love again, you know.
I have a long time interest in psychology, specializing in relationship dynamics for 30 years.
(Please note, we give the best advice we can based on the information given in a post. For better advice, please include the age of all romantic partners.)