It seems possible to me that with her altered hormone levels, she may have no desire at all for sex. Without any desire, it’s possible to develop an outright aversion, especially if she engaged in any activity that she didn’t have any desire to do. From there, it often becomes the case that she might avoid even low level physical touch because she expects that it may lead to a request for more physical activity. So I don’t think that it’s out of the realm of possibility that the root cause of all this does come down to hormones.

Whether or not it’s hormones or something else really seems beside the point to me, at least in terms of your searching for an answer. What you need to know is whether or not she wants to have sex ever again. If no, then you have your answer and need to make your decision from there. If yes, then you two can discuss options for tackling the issue. But a direct, honest conversation needs to happen.