It's pretty common for a guy to be ready freddy. That's how nature designed males. It's on the woman to exercise the caution to not let things get hurtfully out of hand too soon. It's your perogative to be as reticent as you wish for as long as you like. At no point, do you owe him a roll in the hay. He's free to wait for greater closeness to develop, or to move on, if he doesn't have the patience. That would mean sex is more important to him than a relationship that is about more.

I think there is only one thing a woman does owe a guy, as far as your question goes. It's wrong to lead a guy on, if you know that you are not sexually attracted to him. That's not what you are doing. You're attracted enough that you can see the potential for you getting hurt. So protect yourself. That's your job. Often, young women get hurt because they thought they had a right to rely on the guy's promise not to hurt them. That's putting too much on the guy.