I’m having SUCH a HARD TIME

Like when I’m in the mood and i play with myself it starts to feel good and then I’m not sure if it gets too sensitive or something but it makes me not want to touch anything and i just stop. I’m a 21 yrs old and haven’t had sex. I’m so insecure because i can’t orgasm or cum. I have sex toys, i have tried water, you name it. And my fingers won’t reach down there due to short arms Like why can’t i? Why do i feel this urge to stop touching myself right when something feels good.

Ladies i really need some help.