I know why she won't say it. One of my biggest issues is around that phrase. I can't accept it. When I hear it, I always assume it is flippant and insincere. That is why she won't say it. She said it twice in passing and I didn't believe her. I'm not able to understand or accept it and if she said it in a more serious context, I still wouldn't be able to believe that anyone could love me as much or even to a comparable amount as much as I love them.