...does she enjoy sex? Has she only recently lost her virginity?
Expected sex is a
MAJOR turn-off. Go out a few nights, don't start anything. 'Wining and dining' puts a girl into a more relaxed frame of mind - if she feels expected, you need to kill that mindset.
From what you said she seems to want things a bit smoother, a bit more romantic, less deliberate - basically put, she wants more foreplay. She wants to be put in the mood. Slow down.
I'd NOT talk to her about it (ie ask her what she means, how she wants it, how often, or anything regarding how she wants sex to start), because then the extra romanticism becomes deliberate & fake in itself..
You've gotta play to her desires... do it well enough and she'll play into yours..
Bit of time and she (hopefully) changes opinion that sex isn't a sacred act, but more a mutual experience...