None of the above apply to me or the example I provided.
Try:
5. Players declare actions on how they interact with the scene, providing a goal and the approach to that goal. The DM then determines if the results are uncertain, and if there's a consequence for failure. If so, a check is called for. In all cases, the DM then narrates the results.
So, if the players declared an action to elicit information from the owner by appraising his body language when being questioned, I'd either provide that information outright, say you notice nothing outright, or call for a Wisdom check that the player could apply Insight to, if that seemed appropriate. Usually, in my play, this information would be provided outright, because the owner lying seems a poor challenge for the PCs (if an insight check rolled around by everyone can solve it, we're just gambling (at bad odds for the house)). Instead, finding out why the owner NPC is lying, and what about, and maybe doing something about that seems like a great challenge for the PCs.
I would say that falls under option 1, just with different language. Like I said in another post, the goal is to determine the true intentions of the NPC, the approach is to make an insight check.
Or whatever language your players would use to achieve the same result. As far as auto-success, those happen in my games at times as well; I just usually do it by making the lie blatantly obvious. Then again I don't have anyone on the autism spectrum in my game.