This dialogue with Dick determines the future fate of Monica.
Top option skips the possible happy ending and continues the story.
Bottom option leads Monica to try to get close with Dick. Next will follow a dialogue based on the actions of Monica in relation to Dick. If Monica was kind to Dick, then it'll be finished by a marriage.
So, I don't know how it can be called "pointless name calling"
I think you should try to read the walkthrough. Then maybe you'll change your opinion about the game
P.S. Sure, if Monica was not kind to Dick, the bottom dialogue will not lead to marriage, but Monica makes a try and receives in response the words that she deserves. So, this is a part of the story.