Is it permissible to seek divorce due to an inability to fulfill marital duties, and in this case, is the woman entitled to the deferred dowry?

It is advised to fear Allah and fulfill the husband's rights, especially concerning intercourse, while being wary of the severe warning for a woman who refuses, and to avoid seeking divorce without severe harm. It is clarified that the wife is entitled to the deferred dowry if a divorce occurs, unless she waives it.