But, in D&D, players often initiate things the DM has no idea about. For example:
The players meet a street thug named Sweetie Pie. Sweetie Pie has a rare coin they need. She stole it.
Player 1:
Approaches cautiously. "Hi, we were told you are the person to talk to regarding a certain, collector's coin."
Sweetie Pie: Maybe. Who is asking?
Player 1: I am. My name is Doanot. And yours?
Sweetie Pie:
Looks cautiously around. Sweetie Pie. Doanot and sweetie pie. Seems like quite a combination. Maybe we can go into business together.
Player 1: I agree.
The players get the coin. But now player 2 is only talking about getting a pie. After hearing all the talk about food, he asks the DM.
Player 2: Is there a pie store around?
Now the DM has no idea if there is a pie store around. (I would be impressed even more if they did, and had it written down.

) So, for the sake of roleplaying, he says sure. There is a pie store called the Peach& Pecan a few blocks away.
That is the players initiating. The DM might have Sweetie there as well, with her new found gold she got for the coin. But the point is, the players initiated, as far as I can tell. The DM could have had them roll a history check or streetwise or whatever they wanted to see if there was one. But, the initiation still came from the players.
(Not arguing with you. And thanks for taking the time to explain.)