Is a wife sinful for refusing daily intercourse due to lack of desire, exhaustion, or aversion to it during pregnancy or after marital problems, and is it permissible to organize intercourse between spouses?

A wife's refusal to her husband without a legitimate Shari excuse is a grave sin for which the angels curse her. The Prophet, peace and blessings be upon him, said: "If a man calls his wife to his bed and she refuses, and he sleeps angry, the angels curse her until the morning." A man has the right to enjoy his wife whenever he wishes, as long as there are no obligatory duties occupying her, or if it would cause her harm, such as if she is ill. Discomfort due to frequent intercourse or daily problems are not considered valid excuses for refusing the bed.