Some people are more emotionally mature than that.

I’ve had more than one fwb where one of us wasn’t looking for a comitted relationship, but we were both horny so we kept it casual. And for many of those, the woman was the one who proposed the fwb situation.

As long as everyone is upfront and honest about their expectations, it’s usually fine. Of course, sometimes feelings change and FWB isn’t an option anymore.

But it still isn’t transactional.