
the uni student neighbour was never about to r*pe EH.
the fingering thing was completely initiated by EH, so it's consensual or you could argue the neighbour himself was taken by surprise so for him it could be dub con. And as you may remember, EH was actually not trying to initiate a sexual act, but was very worried to check whether as TJ told him just before he was "loose"

he was definitely not rational.
To put in context: the reimbursement of the debt, the apartment and the daycare entirely rely on the paid sex with TJ, TJ has not come for a month and during this time the interests increase. During this whole period of time EH has had no contact with the outside world other than cigarettes and bringing his brother to the bus, he normally doesn't live in this neighbourhood and doesn't have an assigned doctor. If the sex deal is abandoned, there's a possibility the debt will be so overwhelming that he'll be forced into prostitution. He isn't sleeping as stated in the chapter before, to the point that he's more exhausted than when he was overworking himself during the first months of debt reimbursement. He's so anxious he actually entered inside the building where what is surely his worst traumatic experience happened
aw bb, wrong mannnn wrong maaan!!