Why Does She Refuse Full Sex Even Though We’re Very Intimate?

I live near this woman and we’ve grown really close, even though we’re not officially together. She’s a year older and has a boyfriend abroad. We share personal issues and spend a lot of time alone. She’s comfortable with kissing, touching, oral intimacy, and I’ve even fingered her several times. But whenever I try to have penetrative sex, she suddenly pulls away and stops me. I’m honestly confused. What could be the reasons she’s okay with everything else but won’t let me go all the way?

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