It takes two to tango of course but if you as a woman have let your marriage get to the point where you're recoiling from your husband's touch because you're scared he wants to have sex then you've seriously and catastrophically and deeply fucked up numerous times to get to that point. Like, here's a crazy idea: Instead of internalizing your frustration and getting to the point where you resent your husband's physical touch, you simply say to him, "Hey, I love our sex life, but sometimes I feel like my needs aren't being met when we're intimate. Mind if we talk about it?" This is called COMMUNICATION and it's supposedly what women excel at, from what women on here constantly proclaim
Wives start to recoil from their husband's touch when the only reason he touches her is because he wants to fuck her, FYI.