Large lobbies in RDO tend to result in far fewer random encounters spawning, which is especially bothersome when one considers that those encounters would go some way in compensating for RDO's lack of content, and in making the world feel more lived-in. One feature that Red Dead Online does include is random events - moments where players may encounter a character in distress on the roadside, or come under attack by a waiting gang hiding in some nearby trees or rocks - but players have had issues with not receiving as many as they would like. The Red Dead Online protagonist is able to interact with the world's population via emotes, which makes RDO's lack of RDR2's detailed camp features and interactions less of an issue, but they're still more limited in what they can achieve compared to Arthur or John. Players can still rob civilians in RDO, either by breaking into a property or by incapacitating a target and looting their body and/or corpse, but it's less intuitive than the system seen in the single-player.
In Red Dead Redemption 2, by pointing a gun at an NPC, Arthur will have the option to rob a given target.
Another simple thing that the Red Dead Online protagonist is unable to do is rob people at gunpoint.