I wouldn't use the adjective "naive" when describing Anna's character. I would rather use "inexperienced". For you, this may be a quibble, but for me "naive" puts Anna too much in the direction of "innocent".
In the first and second chapters, I experienced Anna as an inexperienced woman, sometimes very self-referential to the point of narcissism.
A woman who is emotionally very closed off because of her "love" and adoration for her father. I think, and this is just an assumption, that Anna has never experienced her father showing any great emotional commitment to his marriage, but has always kept his feelings strictly under control. And that's why she finds it difficult to talk about her desires and sexual fantasies with her spouse.
It's not "just the sharks circling", the first chapters clearly showed me that Anna is actually just waiting for an opportunity to "break out".
The fact that Anna has to be written in such a character-like way (potentially deceitful) in order to emphasize the strong influence of the intrigue on Anna's life and the speed with which the plot now progresses in sexual terms, as we are talking about weeks and not months of virtual time in the game, is in my opinion well thought out and therefore good work.
For David, who tried to cheat on his wife with Alexis, this spouse is ideal. Both people get what they deserve.
For the David who was faithful to his wife, however, there is no chance of "redemption". Even if I let Anna resist all temptations, my assessment of her character remains the same.
And who wants a faithful Anna? Playing the game like this would be like buying a bar of chocolate and then only eating the paper.
And here, in my opinion, is the reason for the heated discussion here. The opportunity to play an honest David who has a wife who many people see as having the character described above. Not naive but partly narcissistic and self-centered and actually willing to cheat on her husband. That may not have been her intention but this image of Anna's character has emerged for many here.
And as for Chris - even when Chris is lying on the floor beaten up by David, David has knocked out his upper sheath teeth, Chris will still grin at David and lisp "I fucked your wife." through the gap in his teeth. Again, no redemption for David.