There's a real world story from a few years back, about a convict who escaped from a court hearing and holed up at a woman's home for a few hours. At first it sounded like she was this perfect Christian woman who read the Bible with him and kept him calm until he turned himself in. Then it turns out they did drugs together while he was there!
So it's not entirely impossible that a bored housewife with secret rape/submission fantasies might give in to dangerous men breaking into her home.
Some level of coercion is at least implied, one would think, by such a scenario. I mean, if you don't give in, they might force you, or they might even kill you or your family. So you might even take the initiative "listen, I see the way you're looking at me and my daughter. If I do what you want, you have to promise to leave her alone..."
On the other end, see a movie like Straw Dogs. "Beta" seeming hubby eventually nuts up and kills the intruders.
You also have several other things in play. It's a well known fact that being help captive, can quite often result in the prisoner becoming sympathetic to the captor.
There are also several tactics used to end up brainwashing a prisoner, which were used in various torture camps throughout history. In short, and to keep it as simple as possible:
Don't feed/water them until they get really hungry. Then, ask them to do a seemingly simple task (like say the weather is shitty, or something extremely simple and pretty much irrelevant, but not in contradiction with the prisoner's beliefs.)
Through the time, the requests escalate, until you reach the goal you have set.
Combine that with the fact most people will do things they would never do, provided they can get an excuse/anonymity for it, and you can end up with people loosening up very very quickly sexually
Add that there is a danger, and it can be avoided by having a fuck, well, it's a no brainer for many people... between getting fucked, or being killed, the choice will be fairly quick for a large portion of people.
