I believe that a fear of pregnancy is a valid reason for not having sex...but on the other hand, if it's getting out of hand lol, like, if you want to make love, but that's the only reason for you not to do it, then you might like to talk about it with him. It's not really a feminism case of whose going to labour and have children, but you know, when there's a will, there's a way - there's always protections to use. I understand the paranoia really, so for you, I guess you just have to wait until you feel you're ready, like you said about responsibilities etc and not just convinced that 'okay if I double the protection then it's going to be okay' kind of thing.
All the best!