I can't finish without a toy and it's straining my relationship

Hi, I'm using a throwaway account for privacy.

I'm 20 f and have been sexually active for a couple of years. My whole life I've never been able to finish from a guy or myself manually. Everytime I try I either don't feel much or it just doesn't build up like it does with a toy. And when my boyfriend does it I kind of just lose focus or my mind wonders.

I read that your body can get over reliant on the vibrations from a toy especially if that's all you've ever used so I went cold Turkey for like half a year. But even after that and after trying it didn't work.

I know my anatomy and I don't think that's the issue. I also in general have quite a low sex drive which I feel like is probably because I'm not getting everything I want out of sex.

I've been with my bf for more than 2 years now and it's becoming a point of extreme stress in our relationship because he doesn't want to use a toy and feels upset that he can't make me finish and I don't know how to help.

I literally feel like there is something wrong with me at this point. Any advice?

Edit/update: we broke up