Most of the sexually wrong stuff that happened to me that I remember came from peers, and we don't always remember abuses. You could be damaged by things involving your peers, and you could also have suffered abuses from adults. Probably one or both children were sexually abused by adults before their "encounters" and that's what the therapist was trying to ask/suggest to you?

I understand the fear thing. Sometimes people I have no sexual feelings for will be near me in certain positions and I instantly think that something could happen and feel fear. Sometimes in public I have this fleeting thought that I'd masturbate there somewhere and there's nothing fun about it, it's scary, like it's going to happen against my will. The latter seems to happen in waves sort of like an anxiety flare-up, I've thought it several times in a close period of time and then gone long stretches of time and never thought it.

Nonsexually, every single time I shave under my arms, I have the thought that I'm going to either deliberately or accidentally cut my eye with the razor.

I think the "against my will" part is a crucial thing to think about.