FSD in DSM-V

So I read in The New York Times (article link here) that Female Sexual Dysfunction is being added to the DSM-V, the psychiatric manual.

The weird part is, they seem to be defining female sexual dysfunction as having a low libido or lack of desire or not being able to reach orgasm. First off, I'm a bit confused as to why that's a psychiatric disorder. Much of the time, there are actual reasons for why people feel that way (ranging from anxiety/ abuse to hormone issues and so on). Although I guess you could argue that depression is also at times just a chemical issue. But what I don't get is- what about the female sexual dysfunction that people like me are experiencing where we actually have physical reasons for what is going on with us? True, taking a pill won't fix us, but it would be helpful for it to be considered a real thing that insurance would cover therapy for, even if it's just talk therapy.