I've never gotten into a random fight with some drunk tavern-brute who just plain didn't like me. Moreover, I never see villagers getting into a scuffle over who has the right to this part of land, who's been sleeping with who's wife, who owes who skooma money...All instances like that seem to be tied into quests.
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[FONT=Times][I][COLOR=orange] Nil Mortify sine Lucre