D&D “rules” are guidelines, suggestions, it can be what you want it to be. Step up that creative a bit and step outside the lines a little.

This is a cop out. D&D’s rules are very strongly laid out; it rule books spend lots of time on combat, looting, and buying. Anything beyond that (specifically incorporating actual role playing and providing you with guardrails for doing so) is left entirely to the player. No rule 0 changes my mind about this.

If you aren’t playing the rules as written, you are playing a different game.