The Nords are people whp love to fight. If there isn't a fight, then they create one.
I think it would be awesome if you could go up to any npc and challenge them to a fight for 200 gold. It would improve your Speechcraft and your armor while punching the guts out of the npc. But there are more ways to settle arguments and make money! Armwrestling! It could improve your Speechcraft to persuade them in to armwrestle you and also improve your one-handed. Regular wrestling would also be nice. It could improve your twohanded skill! The mechanics could be (dont know if possible) a repeated timing/presicion button tap that if out of sync the npc would gain on you. An Idea just popped in to my mind too: Tug-of-war! Now how cool wouldn't that be!