lugum: A haggler is also about charms, charisma hence why its also used in rpg's.
Nothing to do much about smarts or even skill, plus you can also learn to use the right words, it's not much different from learning to hack.
carnival73: Social skills are still skills - Charming for favor is deceptive but not as deceptive as say getting your target's bank password and transferring twenty bucks to yourself using a VPN so that the bank can not exactly pin point which IP logged into it for that transaction.
One is honest fishing while the other is just simply robbing - but, as with everything, moderation - it depends what you're hacking and how you're using the information you're confiscating.
It's all about saying the right words, its like the how to pick up a woman course. Say the right words and they will melt, and you don't even have to be a looker.
Doing criminal stuff, also takes money, alot. i can have all the social skills in the world or not it does not matter, but if you say to someone here have $100k and get me that password, then the other person could care less who he is dealing with and he will do it.