I’m a 20-year-old college student.

Needless to say, if you’re not comfortable with something, you can—and should—decline. I’m not exactly a refined gentleman, so naturally, I enjoy group encounters. Men who want to enjoy that kind of arrangement, and women willing to participate, are probably rare exceptions. That said, somewhat contradictorily, I do know several wealthy, refined gentlemen from Universe Club, and my guess is that they’re not necessarily opposed to it either. Of course, they’re all the type who would never force anyone, so there’s no need to worry on that front. Still, before you know it, you might find yourself tied up or suspended, surrounded by handsome strangers—who may also be exceptionally well-endowed. And after everything, the participants might even take a cheerful commemorative photo together. Do be careful! As you say, I can’t relate to your past experiences, but if you’ve decided to join, I think you need to be prepared not to be too timid—or perhaps to ask too many questions. I hope you meet a refined gentleman who isn’t into group encounters.

You can—and absolutely should—say no to anything you’re uncomfortable with, not just group sex. That said, I don’t think income, sophistication, or being gentlemanly has anything to do with whether someone engages in group sex. Actually, this question seems like it might just be trolling.