You have touched on the fact that urban environments with lots of people coupled with financial independence of women will provide us all with more opportunities to obtain sexual partners.

Also, as you are well aware human females are exogamous in their mating behaviour which means that they like to fuck strangers.

As I have gotten older, I have had no problem arranging some extracurricular sexual activity for my girlfriends. They love it. It solidifies our relationships, and they always reciprocate so everyone is very happy. Past childbearing age it is just another type of recreation.