I'm an English teacher, I take words very seriously, and I don't know why y'all are arguing about banter.
Banter in a BioWare game, such as this, is conversation in the field between two characters (much of it is amusing or humorous in some way anyway). The conversations are not coded differently based on tone.
Banter by definition outside of this context does generally have a playful connotation, and I presume banter in these games was so-named because many of the ones we remember are playful, sarcastic, witty, etc, but the "banter system" in DAI (or any other game) doesn't act differently based on the tone the characters used.
Also, DAI has loads of funny conversations in the field. At least half - if not more - of the ones I've heard are funny, teasing, causticly ridiculing, sarcastic, or witty in some way. Many are written as though with a punchline. Laugh-at-loud funny has never been a requirement for the connotation of banter either. That aside, funny is clearly not what someone means by "the banter system" in the game. The banter system is what allows said conversations (whether funny or serious) to fire and be heard by the player.
At any rate, I'd think the one thing we'd all agree on is that we would like to be able HEAR the banters they wrote and recorded as we play, right? That's the point of this thread, I think.