Well, from what you've said, it appears that your anxiety about sex may be causing you to avoid it. You say the desire isn't there but also say that you have anxiety about doing something wrong or not being good enough is keeping you from doing it. It also appears that the longer you put it off, the worse these fears become.

It appears that you may have performance anxiety. A good counselor can help with that. People with low libidos can still have sex. A little confidence may increase your sex drive.