I stopped using Reddit awhile back due to consistent bad experiences but since then I found me a woman willing to be with me in all areas save one, sex. I am looking for ideas as to what's going on here as I've not been able to figure it out.

I know people don't have a lot of tolerance for long posts but I'm a big fan of informed advising so I'm going to be detailed.

1. Met about 6 months ago via an OLD app, 4 of those months she was in her home country of Nigeria.
2. She's educated and ambitious and has been involved in major US companies as an employee in the USA for about 5 years total.
3. She is 35, I am 46.
4. Neither of our friends/families have an issue with race or country of origin (Nigeria).
5. She is on the cusp of becoming a US citizen and does not need my assistance in that matter.
6. She has had two boyfriends in all of her years. Aside from one experience she maintains that she is a virgin.
7. She has no problems grinding on me till she cums but will not assist my pleasuring nor will she allow penetration of any kind.
8. She has an aversion to sex toys including vibrators (says its like making love to a phone!).
9. She just got out of a 10 month long relationship with a man that cheated on her, no sex with him was had either in all that time.
10. She is uncomfortable talking about sex and I am not.
11. She is good looking and takes care of herself, no mental illness that I can detect, no rape or bad sexual experiences that I know of (or she would tell me about).
12. I have tried guessing what is going on based on my experiences with women and 20 years of marriage (I'm divorced now, have been for years).
13. These have all been denied as a cause/reason: She's closeted lesbian, she was raped, she's actually a man, she's married somewhere, she's bi, she has a disease, she's afraid of getting pregnant (she knows I had a vasectomy), she's afraid of commitment, my penis is too large or any religious objections and I'm sure there must be a couple of other ideas I'm forgetting at the moment but you all get the idea by now.
14. She does not want/believe she needs therapy for this issue.
15. She 100% gets sexually aroused by what she allows to happen but will not "seal the deal" so to speak. That in turn, makes me frustrated as I've shared all of my resources and my vulnerabilities and made myself emotionally and physically available to her.
16. When she talks about this issue she 100% of the time makes "bargains" that buy a substantial amount of time, like, I'm just stressed about xyz (which will take months to find a way to resolve problem xyz).
17. There has been no lack of care or encouragement or support for anything from me going to her.

Does anyone have an idea of what this is all about? The ONLY thing she has offered up is that she is stressed out about not currently having a job and being broke yet I have never asked her to pay for anything including rent, bills, food or entertainment. We both feel that she is extremely employable. I don't understand, I think we could be a great couple but she refuses the one vital connection that I need (and indeed, 99% of all couples need).

Any advise, ideas or suggestions???