Ok, I give up. I see the problem is with your head. And it's exactly what I imagined.
It's because this is Jill and Jill can't be sexual and can't be the one to initiate the sex. She needs to always remain a pure angel of purity and only do what she is demanded.
"Jill ain't Josy", this proved for me that this whole discussion wouldn't be happenning if it was any other girl instead of Jill.
And I don't know how much more direct the poor girl can be when she was the one that LITERALLY asked for the MC to fuck her. I don't know what can she do anymore.