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The feature itself is normal but the way it's happening in your game isn't. Far from it. It should occur sometimes, not always. It should sometimes be from a merchant of the same faction as the city, not always. Something is wrong.
Trading in goods directly isn't the best way to make money in this game. I hardly do it at all any more. My main job in the game is being a courier, which pays better. My two settlements do more trading with the caravans that visit them than I do with anywhere, and that's only the secondary trading that my settlements do. The main trading they do is contracted trade deals.
There's a balance issue that opens up an easy mode for making money - selling food at a stall in a settlement you don't own. The pricing is completely off. It's more profitable (than trading in goods) to drive around buying ingredients and make food from them, even if you don't have a highly skilled cook and you're only selling simple two ingredient meals. If you have your own ingredient supplies from your own settlements and you have a highly skilled cook and you sell more complex meals, the income is silly.
I had 1 or 2 play sessions where the same thing happened, every (or nearly every) trade was interrupted with that event. However on the flip side, I've then had play sessions where it literally didnt happen at all, across dozens of trades....
In 38 hours of play, I've only had I think 2 occasions where my refusal was ignored and the other trader was allowed to go first regardless.