Is it normal to be scared to have sex even though i think about it all day?

I'm an adult female. In college, I have a job, etc. I don't know if it's a part of my age or what but I think about sex all the time and I masturbate every day (it helps me sleep because I'm stressed out all the time).

However, what I find might not be normal is that I'm too scared to actually have sex. It's not just a fear of pregnancy even with contraception, it's just being naked in front of someone and just... I don't know it's the closeness. I get squirmy if guys even really get close to me. I'm not afraid of the pain because that has been dealt with a long time ago on my own. I'm far from lacking in knowledge and I even can talk openly about it and joke about it to the point where people don't know I'm "stunted" and if/when I tell them they hardly believe me.

On top of that, as if I didn't feel strange enough, I feel like I'd be more comfortable getting drunk and having sex with a drunk guy at a club rather than someone I knew and was in a relationship with. I've had offers but I just don't like it. I don't like thinking about two people I know getting together, either. It makes me want to distance myself from them. Not like they're dirty or anything. It's just really... awkward to me...

Sorry it's hard to explain but I hope I made it clear.