Should sex be hard to ask?

so ive been whit my boyfriend for almost a year now and well we didn't do it yet (btw were both not virgins) but we were close to doing it a couple of times,like we were touching each other and well we were in the mood and all but we ended up not doing it and everytime he had an excuse, like my mom home which i agree not doing it while shes there,but sometimes its just random excuses...about a month ago i talk to him about it and turns out his anxious about his body...(he used to be skinny but not he has a belly)and i honestly don't care what size he is i love him no matter what size he is,but he just feels anxious about it(btw he did start to work out to lose it)which i understand but...to be honest i kinda really wanna do it with him, like i wanna do it whit the guy i love,is it wrong?am i being unreasonable to want it badly?what should i do?