have you guys tried some vagina creams and other stuff that make your wife horny
If she is not interested in sex, she will not have lubrication, and of course it will hurt. If it has hurt her each time, it is not surprising she will avoid sex. I don't think you should force her. In some countries, raping your spouse is illegal. Go to a therapist or counselor with her and find out why she has these feelings about sex, she sounds like sex has become a nightmare for her. If she can change, you two will be in better shape, and if she cannot, you might need to reconsider your marriage or if that is impossible, come to some agreements about sex that you can both live with.
There sounds like there may be more to this problem than physical things
usually when there is a problem like this - it is related to something emotional.
Perhaps you and your wife need to sit down and discuss how you both feel. If that fails, you can try a marriage counselor. It could be an underlying emotional problem that has not been addressed.