If you are unable to identify the exact religious reason for your inability to commit, the problem is most likely one of insecurity. It's a fairly common problem - she has been with multiple men, how are you going to measure up? As you stated, "I would hate to be just another statistic for her."
The issue I'm seeing is that you are worried that committing to her completely would merely lead to a broken relationship down the road, so you're having trouble finding the courage to invest into the relationship after realizing that she ended so many of them in her past.
You're only 22 years old, and I imagine that she can't be much older. Her relationships have been at a relatively young and immature age, and sometimes, flaws in character or other incompatibilities don't reveal themselves until a relationship is already several months in age. Falling in love can and does happen much sooner. I would challenge you to think back to your own relationship - what attracted you to her in the first place, what allowed you to dedicate yourself to her, and why did the relationship eventually fizzle out?
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