What really is the point of greeting an NPC that has no bearing on the world except interfere with your ability to access the bank because it wandered next you while you pressed “F.”
And at one point NPCs standing over your loot but this has been resolved. However, in some events they bring up a useless dialog box that hinders further use of the “F” key until you close it. Also exists in Personal Stories where you have a tag along NPC.