Why is it so hard...

[MuGen]

The fear of rejection...

but there is also the fear of comittment... as a result of her accepting your will, and being attached to that person.

then after awhile, you realize... there is a question of whether you DO love her or not.

But in any case... all those factors come into play for me... I'd have to be REALLY infatuated by a girl to say those three words.