Vaginal dryness causing issues in my relationship. long post. please help.

I really need help/advise, anything. I'm 23 and I have vaginal dryness. My boyfriend and I have been together for 2 years and in the beginning he kinda made comments about my wetness (or lack of) but I kind of brushed it off. See before him, I was never really into sex. I've done stuff (solo and with men) and I've always been pretty dry. I just never thought anything of it and figured I was normal I guess. Well cut to being with my boyfriend. In the beginning when we'd have sex, I still never thought anything of it until he started saying stuff. well he accuses me of not really being into him, that he doesn't turn me on, that he doesn't please me, etc. it doesn't matter how much I tell him that he does and I love sex with him, how this is normal for me and has nothing to do with him. I feel like I want to have sex with him way more often than he does. I do little things to try to get his attention and I'm always the one to initiate sex. well he finally told me once when he was drunk that he doesn't wanna have sex with me much because I don't get wet. One time he even stopped in the middle of it and said he doesn't even wanna f me because I'm dry. I have cried to him over this several times and he still makes comments about me being dry. One time I smoked a little to try to relax and ended up having a panic attack while doing it because I couldn't stop thinking about my dryness. It makes me so insecure to where sometimes I don't even want him to touch me down there. I don't know if my problem is hormone related or stress or if that's just how my body works. I went to the doctor and got a hormone panel but when I got the call with the results she just said "everything is normal." so what do I do about this? I NEED to lubricate properly.