The boy of eighteen, Max, was just a callous youth without an adult set of moral values so he couldn't be trusted. The boy had entered her home, her kitchen, her bedroom, then her. Not given time to think how it happened, or why, she was at his mercy. He wanted to stay the weekend and she certainly couldn't let that happen. Yet she needed him to keep quiet about her terrible mistake.
It was a dilemma. Pander to a boy's sexual whims or refuse and risk losing her family. She would be a laughing stock in the neighbourhood.
Chloe chose the easy way out and let the boy use her, with the agreement that he wouldn't tell anyone of their illicit relationship. Chloe was a mature woman controlled by a young guy, being introduced to exciting sexual ways. He brought out the helpless submissive side in her character. With punishments and rewards he eventually takes over her entire life. The sex was wonderful, but it shouldn't be with a teenager. He was releasing something in her, removing all her inhibitions and trashing her morals. She was becoming a boy's sex toy, losing all her authority as an adult, to become nothing more than his pleasure girl, just a sex object.