It's a fake swapping. Wife has been cheating behind Yunata's back because his dick is small and the other couple and her schemed to turn him into a masochist taking advantage he's a pushover, so they abuse him, gaslight him to put on a penis cage and eventually his wife admits it's all set up for him to be denigrated to such state she forces him to asks to keep the "swapping" which is just basically giving the other guy money (300k Yen which roughly almost 1000 USD!!) and how wife forbidding MC to have sex with her. Everything was rigged from the start, even if MC said no to the "swapping" she just would still be cheating behind his back.