It's frustrating how I can't lose Iroha's virginity to a named npc (not just random) like school blond guy or book seller. I'm on chapter 4 and random people on red light district and sauna can only take her first time? bruh
Do you have the Rape Fantasy passive? If so, this is an intentional mechanic, otherwise virginity loss events are marked with a "broken heart" icon to help you avoid them.
edit: nevermind, I misread your post.. you're frustrated that she CAN'T lose her virginity. Yes, prior to chapter 4, there are very few opportunities. In fact I only started seeing them DURING chapter 4 (except for the sauna, which I noticed in Chapter 3).
I'm not sure which events are hard locked to chapter and which ones (if any) are tied to H stats), but the one's I started seeing during chapter 4:
I may do a new game+ with H stats carried over to see if any others appear sooner.