does your family treats sex as a taboo/stigma? sometimes family doesnt treat sex as the natural thing it is and kids grow up scared/ashemed of doing and talking about it
my advice is: you can be scared and still do it, when it comes to your mind dont think just say it, you're therapist will treat it as the normal thing it is and will help you see the there's nothing to ba ashamed of,
hope you find the courage you need <3
and sorry if i said anything wrong