The dialogue system is terrible.
Instead of actually displaying the entire sentence allowing the player to judge for themselves what is the right sentence to say it's all down to "compliment, insulting remark, speech check, no response."
Obviously no one is going to pick "insulting remark" now.
If only it were like this.

The only way the vanilla dialogue system would make sense is if it were timed like in Telltale's walking dead game where you are given like 20 seconds to decide what to say on the spot. Since you are not timed it doesn't matter in Fallout 4.