<human>: Condense the text into a few key points

Hello /r/relationships I am a 24M with a SO [24F] of just over 3 years, in early 2014 we had a mishap during sex that resulted in the condom ripping. She was positive she would become pregnant. I was calm and went to CVS, bought plan b and felt that the situation was handled. We continued with our daily routine with the only issue being her period was a few days late.
  
*But here's the issue, since that incident we have had sex maybe four times. Any time I push the issue she comes up with another excuse for why she isn't in the mood. 

*I managed to pry a bit and find out the reason is that she is afraid of another incident and becoming pregnant. But here's the kicker. We always use a condom, she is religious about taking her BC at the same time everyday, and finally I pull out before I finish just in case.

*Is this something I just deal with since in a way it was my fault it happened? I don't "need" sex or sexual contact but I am beginning to feel like she being excessively paranoid about an accidental pregnancy. Is this a normal reaction?
<bot>: Girlfriend is afraid of accidental pregnancy, so her solution is to put a stop to any and all intimate touch. Is this a reasonable reaction or a red flag?