Well, you also have to look at it from the perspective of safety and the stereotypes/mentalities surrounding that. Considering the majority of sexual and physical abuse is perpetrated against women by men, I think most women would naturally be a little more reluctant just saying yes to a random stranger like that, than a man, regardless of whether they wanted it or not in theory.
Also, even when it comes to sex, the fact that physically speaking the woman is the one being penetrated(aka having to accept something inside her own body, which poses more risks and requires more trust) and thus the one who feels the vulnerability of that intimacy more acutely on some basic level, may make it harder to decide just like that on a whim.
Plus, for most women, reaching an orgasm is not as straight forward as it may be for most men so during sex with another person it matters how involved the partner is, how dedicated and attentive to her needs. For a lot of men penetration is enough and they have control over it, for most women it's not sufficient most of the time. So there's that question of how likely it is that this man propositioning them will make it worth their time.
Then yes, there's probably a little bit of difference in how women tend to perceive sex in the sense that the mental part plays a bit of a stronger role in arousal and sexual pleasure than it does in men.
Ultimately we both need to feel secure and connected in some way, even though it might not always seem apparent. Plus, everyone is different and there's plenty of men who would not have sex with just any random hot woman who approaches them, while there's women who will have sex with men like that. Personality, past experiences, libido, confidence all play a big part and they differ from person to person regardless of gender.
There was a recent study that suggests both men and women actually at least subconsciously look for a deeper and/or longer term connection even when they have one night stands with strangers and that ultimately psychologically there is no such thing as casual sex, there's always a need for some level of intimacy and connection.
If you think about it, it makes sense because most people feel a need for sex and sexual release but you can get sexual release, that orgasm, from masturbation. What you can't get through masturbation isn't the most basic pleasure of that orgasm but physical/sexual pleasure laced with the intimacy and connection of being exposed, touched, sharing yourself and feeling validated as well. That's present in both men and women.
So to me ultimately it has to do with personality and cultural stuff, with feeling safe and the mentality surrounding sex and gender. Men are socialized to be far less worried about their safety or reputation/respect when it comes to casual sex and interacting with the opposite gender, so that I'm sure plays a bit role.
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