“Boys have a penis, Girls have a vagina.” From a very funny scene from Kindergarten Cop starring Arnold Schwartzenegger.
But also the basis of heterosexual marriage and relations.
At least in the United States, it is supposed to be that when a woman, including married women, says no to sex then no sex is had/sexual activity stops. There is such thing as marital rape.
And your man, unless he’s a dominant and your a submissive and that’s been worked out, doesn’t want to force himself on you. He probably doesn’t want you to be “okay, fine, if you want to”.