Rag, please. Your sentence-by-sentence responses are a pain to even read, let alone respond to, and I'm not going to go through the effort here. You might find that people are more positively responsive to you and you have more meaningful conversation if you respond to larger and fewer chunks of people's posts.
I will respond to this self-contained part:
To make it more realistic (and keep it easy, since as you said this is NOT primary goal of the game).
Larian could in my honest opinion try to include some invisible roll for every guard if they will accept bribe ... or if we will be so unlucky so they would be greedy and ask for double ... or even worse, we will be so unlucky so we meet some honorable man, who will get offended when we try to bribe him.
Sure, this is a good idea that matches very well with D&D's contested check. Be given the dialogue option:
- [Persuasion] Attempt to bribe
You roll a check against the guard's...idk, let's call it a "Profession: Guard" check which is 1d20+their proficiency. Every interaction with a guard would then have a different DC. Alternatively it could work as you suggest; Larian could pre-roll this check so the monetary amount shown in the dialogue option reflects the guard's honorability, and a roll of >20 means they're incorruptible or something.
Furthermore, and this is getting a bit off-topic, this system would work even better if there were different stages of success/failure.
- Fail by 5 or more? The guard is offended and initiates combat
- Fail by 1-4? The guard asks for more money. No more checks required: either you give the higher sum or combat starts.
- Success? Success.
Hopefully this would be part of a larger "degrees of success" mechanic implemented throughout the game, so it wouldn't be significantly more work to add it for guards too.