You see yourself from the inside out and feel uncomfortable when you show it off. You don't like being treated like an object. Your husband sees it from the. Your husband and you have different perspectives on the subject of modesty and, in essence, they clash over values.
Her husband sees her from the outside to the inside and can't help but objectify her at least a little. It's exciting for him to see you naked and he would like more of that. He can't read your mind and he can't feel your feelings about this matter. The only way he can learn about your discomfort is for you to tell him, and even then, if he isn't receptive to knowing your emotions, he won't get the message.
Many people with gymnophobia are unable to participate in sexual activities and may develop a more generalized fear of sexual intercourse due to their gymnophobia. In extreme cases, this fear can even cause a phobia of bathing or showering. Some people are comfortable with their own nudity, but they fear the nudity of others. I'm not saying that you can't find true love naked, but you should always respect the limits of those around you.
Try to be particularly receptive to social cues to avoid sounding creepy. And you shouldn't visit a nude beach expecting to come home with a phone number. People who have experienced sexual trauma are certainly at greater risk of suffering from the phobia, in part because they feel especially vulnerable when naked or because they experience nudity as a trigger.