Let me step in and make a point about "it just being a fact that some women have a low level of desire". Sometimes that is not true, but just an excuse. They avoid sex for other reasons which they will not confront, in their own mind, in conversations with their frustrated husband, or with a counselor or therapist. A lot of times, it is calculated, and vindictive. Other times, they actually want love, affection, and sex, but deny themselves because they have to in order to deliver the punishment they feel they owe to their mate.
Often what started as a temporary circumstance, like childbirth, post-partum depression, physical injury, surgery, or some emotional trauma, is carried over into the ongoing relationship, for no real reason. Women especially seem prone to thinking that the miserable way they feel at the moment is the way they are and always will be, and that can lead to some very bad casting of blame on other people, which rots a lot of relationships.