Speaking of. a quick skim of the walkthrough shows over 10 different NTRs that happen from losing fights. just search the PDF for the word "lose" and you will find many NTR scenes.
There is another where you lose money in blackjack
There are also a couple from losing rescue quests (taking too long)
Better save scum to not ever lose... Or you can just set [NTR == OFF] in the settings.
Especially because if an NTR state is reached it is there forever, you cannot undo it except by reloading an earlier save.
Turning NTR off in the setting will only prevent new NTR flags from being planted. it won't undo existing ones.
You have to lose money in blackjack,
and then agree to let Kate go to the merchant's room three separate times before getting an NTR scene.
Similarly, you have a
week to rescue Emily from the bandits,
or to pay her ransom. And if you talk to Mira every day, she'll literally give you free money to help you pay it. And then, if you don't rescue Emily, and don't pay her ransom... then the bandits will just let her go for free with no NTR. To get NTR you have to fall asleep in the storeroom
again, choose not to interrupt the kidnapping
again, fail to rescue her or pay her ransom
again...
three more times.
The only scenes that are easy to accidentally get are the ones that are punishment for losing a fight, such as with Tia/Lyvia after losing to orcs/bandits/goblins/thieves/Dasan, and that's basically the only punishment for losing this game has, since you won't perma-die.
If a single person managed to get Emily's bandit NTR scenes on accident, I'd be impressed more than anything.