So, in the recollection room I see a pair of events "to cancel the debt" and "for no reason". The first one says I'm supposed to clear the pork ginger quest from Shalban, while a virgin with less than a million gold, after refusing to work at the brothel, and then I should be able to try to sell my virginity to him.
I made the pork ginger, gave it to him, got the earrings (with a cute scene the first time I talked to him wearing them). I took the deal with the brothel guy to bypass the cyclops, went to his "store", but then refused to work there. All my sexual experiences and corruption meter are at zero. But when I go back to Shalban, my only options are 'repay the debt' (which just gives the line about not having a million gold yet) and 'Talk' (which varies from staring at my ears to offering to help if I have trouble to complimenting my cooking and saying I would make a good wife, but never seems to actually lead to anything).
What am I missing? There's a line in the hint about it not triggering if I'm in inappropriate clothing, but I never changed out of the default set. Is there a specific outfit I need?