Am I stupid?

I am 21 years old and still a Virgin. I have wanted to have sex so many times, but feel like a hopeless romantic because I feel like I would hate myself if I didn't do it with someone I love. Like authentically love and can trust they love me just as much. 
I'm dumb? Is this possible? Should I just enjoy sex and stop stressing over "true love" or is it possible/ worth the wait? 
I just feel like a dumbass.