Although in general this theory is "normal" and is supported by logical conclusions and what this leads to in real life. BUT... I don't expect to see anything very "dark" or "crazy" in this game. AL was initially more gloomy and about the lives of people which already took place in life, adult people. BADIK - about the life of teenagers, college, fraternities, first love, etc. Stories with dead children and other things would be too contrasting and would bring us back to the mood and scenery of AL. I think it was some kind of tragic event with Bella, but still more simple and lighter than death of her newborn child. Even rape or something similar is perceived somewhat easier than the death of newborn children and other gloomy things. The way she "gradually" gives MC access to herself and constantly talks about the pace, not allowing MC to "insert" his cock into herself for several weeks, this is very similar to the behavior of a rape victim who experiences fear, distrust, and so on to the men. Jill's words - that Bella always speaks unflatteringly about guys and that MC was an exception also gives some hints. Judging by her past, Bella had nothing against the guys, was a party girl in college, naughty with her husband.
