Clicking on the bed will cause an Autosave and then the cutscene will starts, but with no sound. You can't talk to Lucy or get your money.
After the black screen fades, she is still lying on the bed in her combat gear. PC Playstation 3 Xbox 360 If the player chooses to speak with Lucy after she has lain down in the bed (before the cut scene), she will get up, change back into her combat gear, ask the player to lie down in bed with her, and lie down once again.Can be fixed by simply getting back in the bed after the act and sleeping for 12–24 hours. She will lay down on her bed, however you cannot sleep with her now. If she is in her room, the same lines will play, however opening a dialogue box that closes.
She will only say 'Lay down with me, my hunter.' even if she is not in her room.
Red Lucy appears only in Fallout: New Vegas.