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I suspect that your wife's employer has very strong policies protecting her. There is a difference between a clinic environment (or business) and a home environment.

By the way, I would not take my wife and my concern is less about temptation for me than it is about false accusation. However, I would rather avoid the temptation as well.

A friend, who was a visiting nurse, had very firm protocols she had to follow with every home visit. They involved a cellphone clock in and clock out and detailed log of activity while in the home. This protected her and her clients.