Scared of sex

I don't know if this is normal or not but like I'm kinda terrified of sex. I'm not a virgin, (and I love my bf with all my heart) but sometimes I wish I didn't have a boyfriend so I didn't have to worry because I Do Not Ever want kids and I feel like no birth control is safe enough and I can't get any surgeries due to legal restrictions and the fact that my bf hopes I'll change my mind in the future.

(And I can't even afford birth control so that just makes things so much better 😒)