I think this is close to the truth. Guy dates a young girl. The young girl is in LOVE. The guy is so nice. This is the one the girl thinks. They have sex. The guy says maybe in not so many words "thanks and have a good life." Girl is devastated. She's given away herself to him and he's used her like dirty Kleenex. It's all consensual, but I bet the woman feels raped. And that's how she justifies it.
If the girl said ‘no’ at any point, it is rape, period...even if you think it is jest.
Or if she is underage, or qualifies for the difference in age that makes it statutory rape, as she does not have legal right to say yes....it is rape.