I’ve had players do that kind of counter-productive behavior. I usually tell them that we’re here to engage with the game’s premise. If the game’s premise was “we’re going to rob a bank”, your character needs to have reasons to engage with that. You can write a book about Jimmy the Marketer that works a 9 to 5 and has a rich social life, but that’s not what we’re here to explore.

If i’m running the game, I really make sure to hammer on this stuff during session 0. I also don’t typically approve “you all met in a tavern” setups. Your characters should have history together when we start. I don’t want to have to handwave “wait, why would i trust this guy I just met to take first watch?” again