Maki in fanfiction usually has a fierce loyalty to her friends, especially Yuta. She is the type to fight for what she believes in. Yuta is sometimes portrayed as being a bit naive in the ways of the world outside his own small circle, but his pure heart makes him endearing. In many stories, their different personalities create an interesting dynamic, like in a story where Maki's boldness gets them into a risky situation and Yuta's calm thinking gets them out.
In most cases, it is unethical. Such stories are often private or not meant for public consumption. By sneaking them, one may be invading someone's personal boundaries or violating the moral code of a community that values propriety and respect for others' sexual privacy.
Well, one way this could work in a fanfiction is that Naruto could use Yuta's powers to enhance his combat abilities. Yuta has some really unique and powerful cursed energy techniques. Naruto might be able to combine his chakra with Yuta's powers, like using the Rasengan with Yuta's cursed energy for a super - powered attack. It could make for some really interesting battles against tough opponents like Madara or Kaguya.