This stuff (almost) happened back in 1978.
I needed a second year of a language and had no room in my schedule for it so it was arranged that I would go by after school and pick up the assignment and tapes, do the lesson at home, and turn it in the next day. Our French teach (no jokes, please) was 25 years old and really attractive. She also sported a big engagement ring.
One day when I went in to pick up my assignment she was crying over her checkbook. She couldn’t get it to balance and it had brought her to tears. She explained that her fiance had used to do this stuff but he had cheated on her and they were no longer engaged and the tears flowed harder.
Long story short, I balanced her checkbook and that was the start of my helping her with little things...getting her oil changed, finding a plumber, getting car insurance...he had taken care of everything and she was clueless. One late afternoon, after everyone had gone home, I was helping her carry stuff to her car. After putting stuff in her trunk I turned around and she was right there and she kissed me...romantically. I had a girlfriend and immediately felt guilty. She had taken my hand and was pulling me toward the car. I said I had to get to work - not a lie, but really convenient - and bolted. From that point on she made it really clear that she wanted a physical relationship. I didn’t want to jeopardize my grade, so I never said “no”, but I never said “yes”. I just made sure we were never in a position to be alone for any period of time.
I would have hit it