I agree as well. I've posted that idea before......I guess great minds think alike!
It does sound like a confidence issue. Just take it slow and be patient. It's all about approach and retreat. At the FIRST sign of tension, peel off and put her on a circle and wait until she relaxes, then re-approach.
Here is a quick article on horses that refuse jumps.
If you’ve ruled out painful feet or joints as the reason for your horse not wanting to jump, then more than likely he is afraid of jumping or sick of it. There are usually two major reasons horses will react to your request to jump. Fearful horses have panic reactions; confident horses have defiant reactions. Either way, smacking them is not going to help. While you might scare them over it a few times, it won’t take long before you have even greater problems. Your horse will start to associate jumps with you smacking him and that does not bode well for making positive progress.
If your horse has a tendency to brace and rush at the jumps, or run off afterwards, he is most likely afraid of jumping. If you have a horse that doesn’t want to go forward, tends to buck going into the canter, he’s probably more lazy, stubborn or unmotivated about jumping.
The fearful horse needs lots of time, repetition and baby steps... like starting with a pole on the ground and crossing it at a walk, turning back and crossing it again and again (don’t go around in circles until he’s confident). The defiant, unmotivated horse needs a reason to jump. He’s highly motivated by rest, scratches and treats / grass. You’ll be amazed at how quickly he starts to like jumps.