Regarding the religious family, yes hers is somewhat strict. I do think more that the issue is she might be embarrassed about masturbation in general.Could be a lot of things. Does she come from a strict religious family? Maybe sex was taboo when she was growing up. Maybe she's embarrassed to admit she does it because she's afraid it will hurt your feelings.
I would certainly agree it is more common for the lower drive women to never have the urge. My wife fits perfectly into this category, which is why I truly believe she never has.But I think it is more common for LOWER DRIVE women to never have this urge, or it is so small, she doesn't try to explore it ~ regardless of religion. Even the non-religious females may not masterbate.
It's not like religion stops the guys !! When the hormones are screaming -you do what you got to do! It's a great sign if a girl does this in her youth - giving a clue to her overall "sex drive"...or so that is my opinion anyway....from reading countless stories of husbands struggling with low drive wives- near all of them did NOT masterbate.
But as to your wife, I would agree with others and my first assuption would be that matters of sexuality had been such a taboo in her family that she was shamed and banned from doing it as well as talking about it. If this is not the case, and there's no other obvious sexual disfunctions/abuse in her history either, she's either extremely embarrassed to talk about or really low drive. I'm low drive and inhibited by my H's standards but I remember doing some sort of masturbation since I was 7 years old. And I still do, at times, even while married.From the book: Even fetuses, and certainly small children, masturbate—“the phenomenon is perfectly normal,” states the unflappable penis specialist.