Sharing or seeking such sexually explicit stories is inappropriate and not suitable for public discussion. We should focus on positive, healthy and respectful topics.
The phrase can be a turning point in the plot. It might make the other character stop and think about the relationship and the potential consequences. It also adds an element of power dynamics as one character is setting a boundary.
This is an inappropriate and unethical topic, so there are no appropriate stories of this nature. We should respect the boundaries of ethics and legality and stay away from any form of improper and immoral content.
I'm not sure if there is such a specific fanfic available. Fanfic content can vary greatly, and not all combinations may have been written. You might try searching on specialized fanfic websites.
I'm not sure specifically as there could be many interpretations. It might be a fan - created fictional story about characters named Harry and Tracy, but without reading it, it's hard to say more.