I would say no,
you aren't a problem - you just
have a problem, and if you were traumatized in the past it's perfectly understandable that you feel the way you do.
My wife and I are dealing with a similar issue - our marriage has been sexless for about 6 years, with very little intimate contact over the last 15 to 20. There are issues with inappropriate touching by her Father, and I could have been a much better husband, to be honest, if I hadn't let my CPTSD issues control my actions for so long.
Recently we started to connect again, holding hands for short periods, but things are still complicated with menopause and nerve pain that make it difficult for her to function, much less do anything very vigorous.
My main frustration, is that any feedback I get from her is sparse and cryptic. Many days I feel helpless, in the dark, unwanted, ugly and unlovable - it can really hurt far more than the lack of intimacy. I've thought about leaving, but I stay because I love and respect her, she's always been there for me, and is my best friend in the world - but on the other hand, all of those things can just make the pain worse, when she keeps me in the dark about the why's and wherefore's.
I would strongly encourage you, with the help of a T if necessary, to try and share as openly as you can manage with your H. I would bet you a million dollars that he will be a great supporter and do all he can to help - he's stuck with you this far so I would be very surprised if he didn't do everything possible to help you through this.
You don't have to go through this alone. You don't need to wait for decades, like I did, to address the problem, and trust me, those years will creep up on you faster than you can imagine.
I wish you all the best.