Confused about being a Virgin. 🤷🏻‍♀️

I have always been very sure of my life decisions and very strict with myself. I was raised to believe that woman should wait until marriage to have sex for the first time, otherwise wouldn’t be taken seriously by any man, yet if men had sex before marriage it was more than ok. But I disagreed and argued that logic with my parents my whole life . Although I don’t agree with they’re beliefs I was waiting for a special guy to come along , a guy I would fall in love with and trusted to have sex with. Well the guy came along and I never did anything because I was 19 at the time and I felt that I wasn’t emotionally or financially ready (to pay for bc), things happened and we broke up. Time passes by and I see my brother divorce the love of his life , after analyzing the situation , I started to believe that there was no point in waiting to love someone for me to have sex for the first time , at the end love dies either way or life happens. With that I started to believe that I didn’t have to be in love , it just has to be a guy I have fun with and enjoy his company and trusted , didn’t matter if we were in a relationship or not , although I would prefer but life isn’t perfect. I turn 21 and go on bc to regulate me and my parents get a divorce. With that happening i was sure that marriage didn’t exist, love has no point , and yet when the opportunity for me to have sex pops up I never do it . I came across guys I really liked and yet I simply didn’t feel like it was right or even wanted to. Now I’m 25 , single not because I want to, but because men my age either don’t want anything serious or they don’t know what they want in life . And I ask myself “why exactly haven’t I had sex yet? Is it that I’m scarred subconsciously from my parents beliefs? Or is it because I’m so strict with myself I never think is the right time ? Is this a psychological problem?”