Oh god i hope it's not something so cliche as that, and luckily i doubt it will be given the build up so far.The way I see it, it was hinted that the Hubby has a gambling habit. He will probably lose all the money and even the house and end up betting his wife... or something like that. So people who think that the first H scene is a few years away are probably wrong. I like playing an "erotic" adult game that will feature sex scenes in the future.
There probably is something more going on with the husband, but whatever it is doesn't seem necessary to progressing Sophia's story, and i certainly hope it never will be. To this point, most/all of the 'filthy' options are leading to corruption in the form of first realizing and then giving into temptation. I doubt any kind of 'forced' scenarios will be necessary and that'll be a real breath of fresh air in games like these.
But having said that, i also don't think the first sex scenes are that far away. Sophia has already been pretty damn 'naughty' in a few of the build up scenes, and the plunge really shouldn't be that far off.