Even for Penny the ntr won't happen unless both corrupt her a ton first and then not pay off her debt, and that's of course only if you got Lucius to help instead of Kathrine and are selling him your cum. Aside from Luvia and Tia getting raped because you lost a fight all the ntr only happens if you let it happen
1. Penny:
a. pure route has very little content (for all girls, not just penny). so everyone is playing corruption. so realistically almost everyone would corrupt her. I don't know anyone in this thread who is playing purity route
b. you can easily accidentally not pay off her debt.
2. You even explicitly admit Luvia and Tia can get raped if you lose a fight.
So no, it is not only because you chose to let it happen. Stop saying that nonsense when it contradicts your own claims.
At most you should be saying "there are only 2 cases where you can be NTRed against your will". You would be wrong as there are more, but at least you would be internally consistent.
3. there are other instances too. for example frisca fucks dave unless you realize you can "bump into her" to trip her and get mud on her dress.
4. you could be careless and fuck the succubus in front of mira which triggers ntr for her.
5. in monestary, you get caught by Mira fucking one of the other girls. if mira corruption is under 5 & NTR is not disabled in settings she will cuck you in revenge.
6.... honestly this is exhausting. pretty sure it isn't our first time rehashing this argument. I am not going to list everything yet again. That guy who asked in the first place should already see there are multiple examples and decide for himself whether he is going to enable it or disable it in settings.
Disabling in settings is the surefire way to ensure you don't get cucked