I think both of you need to go to the doctor.
You MUST go, because sex shouldn't hurt. If it hurts, then the emotional pain builds. I know this, because I had some "minor" episodes as a tween that made sex very emotionally difficult for me. If it hurts (I'm close to menopause, so there is occasional dryness/chafing-sorry TMI), I can have minor panic attacks. My husband understands, but he knows what happened which makes it easier for him as he knows it's not his fault.
Please also ask for a referral to a therapist, because you have some issues of fear, hiding, feeling like a bother, etc. It's not healthy. I'm guessing your family dynamic growing up was that your parents acted like THEIR needs were more important than yours on a regular basis (been there), and you don't know how to take care of yourself emotionally because of this. A good therapist can help - it takes some work, but it - and YOU are worth it.
Your husband should go, because he may be suffering from depression. My husband withdrew into WoW for a while. It was fun, but it became a place to go to escape, and when the escape feeling is the primary feeling, that's not good news. He may be depressed because he's worried about you as well.