Who are you talking to? If it's me then yes, you are wrong about "what you got from that." She has emotionally disconnected from you but why is not certain. Some say its the miscarriage, I think she has deeper issues that the miscarriage just brought out. But who really knows? We're all guessing. What does/did the therapist suggest?
Same question again: What is her reasoning for having sex with you with her pants on? What did she tell you about why she feels she has to do it that way?