姑娘你真怂
[gū niáng nĭ zhēn sŏng]
This expression, '姑娘你真怂', means 'you are really timid/cowardly, girl'. It playfully or directly calls out a female (姑娘) for exhibiting fearful or hesitant behavior, though it might not always come off as very polite or respectful depending on the context.