I have an idea:

My character has a pet juvenile mimic, and i pictured the following scenario in my head:

*Bandits apear*

Bandits: gimme al you got

My character, an intelectual: Ok, i dont wan any trouble, *places the chest mimic in the ground* i put my valuables in this chest, just take it and don't hurt us *steps back*

Bandits:*unsuspectingly try to open the chest and get attacked by my pet mimic*

*combat starts*

Tell my if there is anything I'm overlooking 

I have never had bandits do anything but attack from ambush. (At least those that attack obviously armed Players, rather than unarmed peasants) The idea of talking first is a movie thing, where they like talking.

But, I do think this a really cool idea, so as a DM I might make it work anyway.

Thank u

Its a mimic. It does not have to be a chest. It could be a simple bag of coins.

Or really anything.

yeah i know.