I fantasize I am having a threesome (FFM) and my husband is doing the other woman too...or she is participating somehow. Sometimes I fantasize I am someone else...and he is having a one night stand or affair with me. heehee.
As for why he fantasizes...I think it is for the same reason that I do....He just has done it a lot longer. He is wiser than I am in a lot of ways....especially related to sex. I am more emotional. I think he also likes to spice up our sex life and just enjoy himself. We have sex a lot, and we keep it exciting. Fantasy is part of that. Even if it is just about envisioning some body parts....it's innocent and fine with me.