Conclusion
Margie's problem most definitely stems from the things she witnessed when she was younger. To her, sex was something terrible and something that was always forced on a woman. That was what always happened to her mother.
As she started to experiment and she learned how nice an orgasm can feel, she began to fantasize about having intercourse. However, since she has always seen a man forcing himself on a woman, and the cock is always a threat to her, she cannot imagine that first point of entry.
I really don't think she has anything to worry about. One say, she will just go out with a man who won't take no for an answer, and if he has to force her he'll be in for a pleasant surprise because she's going to love it.