Yeah, the blackmail makes it incredibly erotic.
I kind of wonder if Mr. Lowery purposefully tempted her with the money with the hopes of blackmailing her.
That theory is a little thin since she did have to break into the room containing the money, but I think your average person would have called the cops, rather than risk the scandal of blackmail.
It takes a special, coniving pervert to act out a blackmail scene like that. Perhaps the type of person that would set a girl up hoping she falls for the bait
That what I like to think anyways. Adds to the erotica.