Doesn't sound like she not attracted to you, but as you mentioned, too scared to do that in a public place. Most places, you can be arrested, if caught. Maybe, she's more career orientated, at this point, and the thought of being arrested, is deterrent enough, when one reaches their 40's?

Guess, the question is, why just because she doesn't want to do it 'there', have to do with whether she wants to be with you, at all?

Maybe, being in the same places as past lovers, is something she just doesn't want to do?

Is there, a reason, you find it necessary to keep bringing up, to her, risky locations?