You may be surprised where your fantasies take you. Just as your personality evolves over the years and decades, I would hope that your sexual fantasies evolve, too. You need to indulge your fantasy about the MILF next door!
That’s how she gets you. Starts small and then escalates, but you never so no, so is she really doing anything wrong? You pay, pay and pay. You can always say no, but you don’t.