I think there should be a player VS player dialog option. Lets say there are 6 options of things you can say to a player, he can reply with one of 6 options, you reply with a different set of 6, etc.. etc...
"Hey Stranger want to tag along for a cut of the action?"
A)50/50 Split, sure
B)60/40 sounds about right
C)Sorry, but I think that going with you will get me killed
D)No, but I know a leprechaun that would go with you
E)Taste the pain!! [Attack]