The unbidden and un-encouraged thought is a temptation.
Consent is sin.
Rejection of the thought is a moral victory unstained by blame.
Christ was tempted in every way that we are, yet without sin.
Tell Him your theory
"Matthew 5:27-28
King James Version (KJV)
27 Ye have heard that it was said by them of old time, Thou shalt not commit adultery:
28 But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart."