That's something else entirely. She's 15, she legally has no agency.
Right, but I'm not speaking about the legalities. The problem of an adult (and worse, a teacher) having sex with a 15 year old student has a lot of potential solutions, and I hope they choose one that's more interesting and satisfying than the MC throwing a punch — which I still think he's liable to do before they head back to the city, and which is probably the worst of all possible solutions — but the process of undoing the damage with regard to Haley
should start with an agreement that,
from her perspective, she had agency and free will. Yelling "but you were raped!" at her is going to do more harm than good until she's ready to hear that message; it's going to be even less welcome if the MC's just put Klaus in the hospital or something equally unwise.
Now, I suspect the latter (not necessarily the hospital, but a Klaus-MC confrontation followed by a Haley-MC confrontation) is more or less what's going to happen because it intensifies the conflict that the siblings are going to have to work through, but it's certainly not what's best for Haley.
Whether or not Haley's the same sexual butterfly at 15 as she is now becomes the question. MC knew her at 15, but the players don't.
She was sexually precocious enough to collect money while the MC's ex gave blowjobs for cash, though that was obviously a few years later. Which doesn't necessarily mean she was having sex herself (and in fact I don't think she was; see below), just that she was comfortable being around it.
I remember you saying that, but I also find it strange you're taking what she said about initiating it as gospel and think she's lying about this. Not saying you're wrong, but still, what an odd thing to lie about, especially when she's not trying to anger MC.
It's pure speculation on my part, of course. Here's my reasoning: taking Haley at her word, she's had sex with three people. One is the MC, and that's happened exactly once (or a couple more times if you want to count the other stuff they've done). Though she had a boyfriend at the beginning of this story, they not only never had sex during the course of this story but the narrative went out of its way to highlight that they weren't having sex. And then there's Klaus, which — even in the worst-case scenario — was very unlikely to be a regular, ongoing thing as the risk of discovery skyrockets the longer it goes on. Add to that Haley's revelation that she's wanted her brother since a very young age.
Now, the siblings are at what I believe we're supposed to assume is their first job, which means they're right out of college. Jack isn't mentioned as having gone to high school with them, and since Haley was apparently in her "staring at Mike" phase in high school we can assume that Jack and Haley didn't start to date until at least college. They clearly didn't live together, and Haley didn't hesitate to move away from him at the first opportunity. Over all that time Haley only had sex with an adult who should've been forbidden to her, then no one else during all of high school, followed by a passive, submissive boyfriend who she does nothing but mock and treat poorly during the time of the story, and meanwhile she's in love with and lusting after her brother the entire time.
I think Haley's exaggerating her sexual history because she's trying to present herself as the MC's seducer. His sexual equal. And she has, I'm sure, "had sex" with the MC over and over again...in her mind. But I see absolutely nothing in the relationships that she's had to suggest that there was any passion in them; certainly there was none with Jack, and she doesn't describe sex with Klaus in lustful terms, but rather in terms of comfort and feeling sorry for him. Meanwhile, the MC has been (or can be) having sex with almost every female NPC in the story, while the closest Haley's gotten to sex was her aborted plan to tease Adriana's husband. (Granted, if she'd been sleeping around before now the whining about NTR would've been deafening.) What I think Haley has instead is a
damaged sexuality, and she's trying to cover for it (consciously or not) by claiming more experience than she actually has.
As I said, pure speculation on my part. There's no evidence for it in the text (other than what I just ran through) and one very obvious counterargument: Haley's statement itself.