What is the ruling on embracing a pillow and imagining it to be one's wife in order to release lust; and what is the way to deal with a wife who avoids intercourse after fondling and conversation?

Clasping the bedding and imagining it to be your wife to satisfy desire is impermissible because it is a type of forbidden masturbation. The wife's shortcomings in intimacy do not justify this. To solve the problem, the wife should be educated and made to understand that her shortcomings harm the husband and disrupt their lives. Specialists can also be consulted for assistance.