Men have fantasies. Some men act them out. Women have fantasies as well, some more than men but are relunctant to act them out for fear of being labeled.
I am a woman and I have fantasies, I have yet to act out all of them but I'm not afraid to. It's just finding the right guy and the right circumstances to do so. Here is a fantasy of mine...
I am in a hotel room overlooking the bay. The window is open. The breeze makes the curtain flow in the air, the wind on my body sends chills all over me. I am in your buttoned shirt, pantiless, awaiting for you to return from your shower. I do not hear your footsteps because I am too busy thinking of last night. I smell the water from the bay below us. You creep behind me. Startled at your touch, I giggle. Your hands are warm on my bare legs. You're dripping wet from your shower. You are so close, so fresh. Your hands ease their way up both legs. I love the way you make me feel. Your hands caress my ass, a little longer than they should but I don't mind, I like the way it feels. Your hands are soft, my ass fits in your palms. You rub my bum as if you are waiting for a genie to appear. I am her. I am granting your wishes. I smile to myself.