Thumbs Up for Dr. Doe knowing the difference between an acronym and an initialism.
Her real name Terri Vandoll.
I think the first question is: Does the person have the capacity to give informed consent? Do they understand what they are consenting to and the risks/benefits? For some people the answer will be yes, for others, no. Another consideration is power imbalances. For example, I would say that it is unethical for a caretaker to have sex with a client because of the power imbalance in that relationship.
African-american, babysitter, dancer, latin lover, big beautiful women (BBW),