Very religious single mother with lots of money from a divorce has a daughter, sends her to a girls-only boarding school, she studies theology and joins a convent, becomes a nun - now you have a thirty-something year old woman who has never known a man on a personal conversational basis (may have seen/heard them in passing, possibly a teacher or church leader as well).

(This is most likely not the case and purely exists as a ridiculous but possible answer to your question.)