The exception to the rule comes when tension or opposition within the party results in dramatic/role-playing rewards. In order for the latter to work, remember, both PC’s need to be on the same page. Let’s take an example… The party of 4 PC’s arrive at their destination, at the Fell Keep. The rogue recommends they pay a passing merchant to smuggle them into the potentially hostile city. The wizard opposes him,
There is inherent in D&D, and other paper-pencil RPG’s, a social gaming contract. That is to say, that we’re gathered at this table in the spirit of teamwork. Though inter-party conflict can be rewarding, woven into the tapestry of the game is the idea that each party member serves a distinct purpose(s). Each of us is a valued member of the team, and none of us can do this on our own. I understand that the DM may be asking you to suspend your disbelief, here.