What is wrong with me?!?!?

My boyfriend and I have been together for 3 years. We met my senior year of high school and used to have every weekend, some sessions lasting hours! I loved it. But lately it's gone, completely. I don't want at all. He pesters me every night for it. I tried to explain that with being laid off from work, having a five car pile up accident, and a pretty poor christmas has left me pretty depressed. But he says that this has been going on for awhile, even before these problems. At that time my excuses were having finals, stress at work, and money problems. I guess it is always something. I don't know what to do. I have been doubting our relationship lately but I know that this is mostly caused by my recent stress amounts. I have broken up with him before and I was miserable. I know he is the love of my life, but I am afraid I will lose him. I don't want him to stray, but even when I fake interest he knows it and gets irritated. Any ideas, cause I'm all out at this point!