system
A chat on subreddit /r/me_irl
human
Rather have them do it and I not know then get cheated on and know.

This honestly sounds like a woman who actually has thought about cheating on her husband or maybe possibly HAS.
gpt
If you know and it’s permissive then it’s not cheating. That’s the whole point of having an honest conversation about whom you like to have extra relational sex with. Seems like maybe it just brought up fear and assumptions because his are fantasies that would likely never happen and she has found herself attracted to people that are in their everyday lives. That’s fair to be scared about what that could mean, but that does not in any way indicate that she has cheated or is doing something that’s unsavory.