Fair enough, this is your point of view, but it doesn't correlate with the situation this woman has described. She states she only turned him down once in 20 years through sickness, so I'm not sure how you're applying you '3%' rule to this scenario?? The relationship she describes in fact seems the exact reversal of male - female roles that you talk of...
And suggesting she's not 'putting in the effort' as you say. Well by her accounts she is and it is he who's not responding. So perhaps you have mis-interpreted the initial post??
I think the fact that she still fantasises about him and nobody else, even after 20 years of marriage, is very telling. She desires him so much yet he shows no interest. Your rather naive response into the workings of a relationship seem pretty inconsiderate of her desperation here.