I wanted the no friends and co-workers policy because of an experience I had in my early 20s. A friend of mine got married at age 19 and his wife used to fuck a lot of his friends, in groups and one-on-one. Everything was fine until one of the friends decided that he wanted her to be more than just a friend. It caused a lot of friction between different people. Eventually, my friend and his wife cut off all friends from being able to fuck her. They kept up with her fucking others but it was only with men and women they met for that purpose.