No one owes sex as a payment to anyone else, no matter how expensive the date. Agreeing to kiss or neck or pet with a man means that a women has agreed to have intercourse with him. Once they get turned on, men can't help themselves from forcing sex on a women. Men don't physically need to have sex after becoming aroused any more than women do. Men are able to control the male organs even after becoming sexually excited.
Most women lie about being raped, especially when they accuse men they date or other acquaintances.
It happens more often than it is reported. There are various theories about acquaintance rape resistance strategies. At this stage, the potential victim needs to be able to recognize intrusion and effectively communicate that it is unacceptable. Be specific about what the offensive behavior is, clear that it is not welcome, and definite that it must stop. This doesn't rule out courteous behavior.