No, it can still be a choice, but the choice should be consistent with the moralities in the game. I didn't create those moral standards, DPC did. I just want the game mechanics to remain consistent with itself.
For me, it depends on if you rejected them or they rejected you. If they rejected you, I understand the drama narratively, because you, the player, wanted the relationship, so the game needs to keep that possibility alive. But if you, as a player, chose to reject them, I agree with you: dial that back (maybe not all the way to zero, so players have some room to potentially change their minds, but definitely dial it back significantly).
A couple people have brought this up, and maybe my vision is just bad, but I didn't see it even when I went back and looked. I saw the light flicker, but was there an actual silhouette I just missed, or are we just assuming it was someone walking in front of the light? If there's something visible in that shot and someone has a screen grab, I'd love to see it.
This is exactly how I took it as well. 100%.
I'm not sure there's much to explain as far as Burke's motivation goes: he likes young girls, Quinn supplies them, and in exchange he gets them "free tuition". I don't think he's putting actual money into anything, just messing with financial records.