Afraid of sex?

This is really embarrassing but I’m 19 and a virgin. I’ve had boyfriends before and all but i never lost my virginity.. I just never got closed to it especially because I kind of avoided it. I’m scared because I’m scared of the pain 😭 I try to tell myself that sex is a normal thing and everyone has it but I’m still so scared. I’ve only ever been able to fit two fingers in my vagina and that caused a bit of bleeding. I’m just so scared lol, I feel like a wimp. The farthest I’ve ever gone was kissing lol.. I know I have to grow the hell up and not be such a baby but it’s so terrifying to me!