Yes of course there are limits in the same way that no character can lift a mountain regardless of their strength score.

However, I don’t think it’s appropriate to base the success of my persuasion on my real-life ability to come up with a convincing argument. That’s the whole point of DND, characters can do things that people IRL could never accomplish. If my character is remarkably persuasive, they could come up with arguments more persuasive than my own.

As seen in OPs meme, you don’t base the success of a strength check on the real life player’s ability to lift a big rock or whatever. It’s unreasonable to treat charisma any differently. Personally, I just stopped trying to act out scenarios and saying, “I want to persuade them of this let me roll for it”, because the success rate was much higher.

IMO, if you want players to act out the scenario you need to give a very large fudge factor to the success of arguments based on a charisma roll.