The debt

My sister Cheryl and her husband Clark borrowed a lot of money from to start his business. I'm Richard 35 and I've been fairly successful financially in my working life. Cheryl 32 asked me would I loan Clark money to start his own business 4 years ago. Clark explained his idea and I agreed to loan him the money, his business did well and then the pandemic hit and his business went broke. Clark didn't cope well with it's failure and hung himself shortly after. I was looking at his finances to see what I could to help him thru his troubles. But he killed himself before I was finished, I wasn't the only one he owed money and I think the stress got to him. Cheryl was left with 1 child Karen 4 and a large debt. They only rented their home and with no money coming in, I told her move in with me. I work from home and wasn't in any relationship, I don't do well with women. After the funeral, Cheryl and Karen living with me. I had paid off all the creditors except, I was concern all worried about the debt, but Cheryl was. She wanted to repaid it, but had no way she could. Then she saw a news story about a brother and sister who had lived together as man and wife for decades raising 5 children. It was then that she decided she would give herself to me as compensation for the debt. When Karen was at a playgroup and Cheryl and I were alone. She made her offer to me, I was shocked and told her I wasn't worried about the money and she shouldn't worry about it either. She responded saying it was worrying her a great deal and that she had to something to pay me back for her own peace of mind. I told I would think on it and let her know, later that day after she had put Karen to bed. She came into my home office totally naked and asked me had I made up my mind. I was stunned at seeing her naked and I admit I got an instant hard-on. After a quick conversation she took my hand and led me to my room and to my bed. I had sex with her that night and from then she slept with me every night since. She isn't on contraceptives and hope to give a child soon. Our mother Linda 54 war widow has moved in with us and has come to agree with Cheryl about our relationship. So far Cheryl is pregnant, but not from the lack of trying.