Your colleague owes you money, so you pay him a visit at home. You ring the doorbell but there is no answer, so you let yourself in.
The wife is home, but no husband. She's cleaning with her headphones on, so she didn't hear you. You watch her as she cleans the countertops, big tits jiggling. You have always fancied her. Thought she was hot. Thought about fucking her. You thought she looked at you too, but she's married, and would never act on it.
She's surprised, shocked to see you standing in her kitchen. You explain everything. Her husband owes you a large sum of money, he's a spending addict, and goes to strip clubs every night, lying to her, spending all of there money, and you are here to collect.
She's horrified at the amount, they don't have that kind of money, but you suggest an alternative, a way to buy time. You take advantage of the situation, and your desire to fuck her. She's disgusted at first, but once she sees how hung you are, how thick and superior your cock is compared to her husband, she's a submissive slut, begging for your cum.