It could also be due to loyalty. Maybe there's something in her current situation that she feels loyal to. For instance, if it's related to her job, she might be reluctant to leave her colleagues or the work she has been doing for a long time as she has a sense of loyalty towards them.
One reason could be fear. If the story involves a big change like moving to a new city, Rachael might be afraid of the unknown. She may be worried about finding new friends, a new job, or getting used to a new environment.
One reason could be fear. She might be afraid of the unknown. If it's about a new opportunity, like starting a new business, she may be reluctant because she doesn't know what the outcome will be.
Since we don't have a lot of information, here's another possibility. Rachael could have been reluctant to attend a social event. Maybe she was an introvert and didn't like big crowds. Or perhaps she had a bad experience at a similar event in the past. For instance, she might have felt out of place or had an argument with someone there, and so she was hesitant to go to another one.
Perhaps Rachael is reluctant in a relationship story. For example, if her husband wants to start a new business that involves a lot of risks, Rachael might be reluctant as she is worried about the family's financial stability and the potential stress it could bring to their relationship. She might be more inclined towards a stable and secure lifestyle.
Perhaps she's reluctant to date because she's still in love with her husband despite the cuckold situation. She might be hoping for a reconciliation or a change in the relationship. Or, she could be afraid of the unknown. Dating can be scary, especially if she hasn't done it in a long time. And, she may be concerned about how dating would affect any children or family involved in the situation.
One common reason is fear of change. Just like in the story where the wife was reluctant to move to a new city. Another could be concerns about finances, like in the adoption story. And sometimes it's about personal insecurities, such as the wife who was reluctant to go on vacation because of unfinished work at home which might be related to her self - perception of being responsible.
One reason could be fear of change. A mature wife has likely established a certain way of life, and any alteration to it can be intimidating. For instance, if her partner suggests a new hobby or activity together, she might be reluctant because she's comfortable with the existing routine. It's like having a well - worn path and being hesitant to step off it into the unknown.
Health problems can be a factor. For example, if she is experiencing hormonal imbalances or some other medical conditions, it can affect her libido and make her reluctant. She may be in pain or just not feeling physically up to it.
One possible reason could be lack of communication. If partners haven't talked openly about their desires and boundaries, it can lead to reluctance. For example, one person might be doing something the other doesn't like but they haven't voiced it out.
Try to find common ground. If the anap story is about a certain theme, like a journey, find out if she has any past experiences related to journeys that you can incorporate into the story to make it more relatable for her.
Naruto could be tired of the expectations placed on him. Everyone has always assumed he would be Hokage since he was a child. He might want to break free from those expectations and define his own path. He may feel that being Hokage is more about fulfilling others' wishes for him rather than his own true desires. So, he decides he doesn't want to be Hokage in this fanfiction.