Spot on, but it was covered well in When Harry Met Sally.
It is why my wife and I have an agreement that I will never have one-on-one lunches or coffee with other women.
It can start very innocently, even if you dearly love your wife.
Oh I know all about this and how it can start..and yes I was the scumbag (but was not all at fault she helped)...but I learned from it.
.Now that I have a gf I won't get in that situation again...no more close female friends even going out to lunch as you said.
By contrast, I've traveled to Colorado (I live in Texas) to play on the mountains with a woman, and my wife hasn't batted an eye. Noting untowards ever happened. As my wife says, if I was going to be unfaithful and/or deceitful, there are plenty of opportunities in the neighborhood. You're on the honor system whether you're in a hotel room a thousand miles away or in your case abstaining from unchaperoned lunches.
I agree. Most of us who dearly love our wives try not to get into an er...situation...