I don’t really think that side of the equation is the issue. If someone is withholding, it is for legitimate cause. Nobody just wakes up one day and says it is a good day to withhold. If withholding is taking place for psychological reasons, then together the couple should work it out. I believe none of us should do anything with our bodies in that way that we aren’t comfortable with (mentally, or physically). So in answer to your question, yes, I believe there are times it is appropriate to withhold. But these times are also when spouses have a responsibility to each other to resolve whatever the issue is between them, so withholding isn’t a problem.
My concern is more on the other side of the equation…why would anybody want to have sex with someone who didn’t want to have sex with them? That, to me, is a bigger issue than someone withholding for a specific reason.
I understand Church teaching. I just don’t believe in it. I don’t think it is based in reality. Human relationships don’t work that way, as far as I know. The believe that “the debt” prevents infidelity and masturbation is absurd. Single, celibate people don’t need that in order to stay chaste. Why would a married person require that in order to stay chaste?
I have been married 30 plus years to the same person. I think healthy sex is part of a healthy marriage, so I am not big on the concept of withholiding. But I haven’t had a lot of issues that others may have. I have been lucky. With all that said, I can’t imagine thinking about sex as “a debt”. I find it to be a very unhealthy concept.