I think I read this in the game manual--if it wasn't on the UESP wiki. Also both skills aren't equally appropriate: polite/etiquette improves nobles' reactions, and blunt/streetwise the commoners'. It's probably not impossible to get a benefit from talking in the wrong tone to a person, if you're lucky, but if you try to talk politely to a commoner you're liable to get just that result.
About the quest you can't be sure that it's a feature instead of a bug, what will how bugged the game is, in particular in that area.
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