Welcome to the forum and thanks for sharing your stressful experiences, @DavidU.
This is a hard thing to grapple with on both sides. I understand the hurt you must be feeling in this situation. This is something people with hepatitis B also struggle a lot with (see other threads on this: When/how to disclose hep b in a potential relationship?). People with Hep B are generally not coached on how to raise this condition with others and some might have already had bad experiences with rejection in the past when raising it.
Some people may justify to themselves that we don’t need to go through this very stressful disclosure. I personally don’t think it necessarily makes one a immoral person, if they can convince themselves that they are OK. Indeed, most people are vaccinated for Hep B in Australia, and the risk of female-to-male transmission is quite low. As @availlant as mentioned however, there are other STIs that you may also be placing each other at risk of.
Perhaps a good way to address it is simply talk about your feelings with her and have a mutually respectful discussion with understanding in mind. The way you have put them here, I think these are reasonable worries and worth exploring together to clear the air rather than let resentment grow.
Hope this helps,
Thomas