The point isn't to make it enjoyable, it's to make non-consensual pvp pointless. Instead of the DM saying, "Billy doesn't want to play PvP so no you can't attack him" it's "Ok, Billy, what happens?" "He misses me. Can we get back to the game now?"
But, as in my experience, the person being attacked doesn't have to shut it down that completely.
That's been my experience with roleplaying, too. I can 100% imagine one of us DMing a con-man, and others in our group leaning into that and allowing themselves to be suckered, their character forever delighted with their "magic rock" they got at a bargain basement price, or whatever.