What's so blatantly wrong with me?

Kay, so if your ever going out with a girl and they want to have sex just tell them that you don't want to be used, or that your not ready, or ask them if it's really that important, and if it is dump them. If you feel ready then fine, but just don't let these girls use you. And you sound like a really nice guy, so just pick the right girl that isn't a skank.