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I don't want to answer why I want to make love to you but I can't, but I'm answering why you are ashamed to talk to girls.
As far as I can guess, you are a child of Bhadraghar and your parents have made you with enough values. I think that's because people who grow up with a lot of values grow up with a lot of self-preservation and they know how to respect people.
It is true that you have a kind of respect for the opposite sex, and since you have grown up keeping your own, you have not been exposed to the opposite sex in the same way that bad friends have not affected you in your early life.
People's shame and fear of the opposite sex disappears when they try to mix with people of all sexes. And this mixing effort starts at once with the need of the hour. If you enter university or working life, you will be able to mix.
The love that the mind wants to make is the result of your surroundings and hearing stories from friends. I would suggest giving time to yourself and the people around you without love. And when the thought of this love will intensify in your head, get married if you can afford it.
Why ruin your own life and the life of another's daughter if you arouse the desire for a little unnecessary love? There is no guarantee that the person you fall in love with will actually marry you and you will be happy. So give yourself time to build.