Have Villain talk

> Have Villain talk
> As you are speaking -
> "I attack him!"

Entirely sensible course of action.

You have nobody to blame for this but yourself.
Even in non-interactive media, villains try to have the heroes restrained before monologing.
Stop blaming others for your GMing and git gud.

>im just here for xp and loot

you might as well just play munchkin

>player does something that is perfectly reasonable IC, instead of metagame cooperating with the GMs trite storytelling
>"WTF munckins!"

It's not that I don't care for his story and motivation.
I just care for my own survival more, and will try to utilize every available advantage. Shoot them while they are talking is a classic one.

Taking is a free action, so it's impossible to interrupt it halfway through.

Makes sense. This is dnd, not anime.

This is why you monologue through comms or behind something else. Alternatively, make it during an unwinnable situation for the current moment. Think ahead.

If I was the hero, I'd try to beatstick the villains while they are talking.

If I was a villain, I'd probably know this. How do I keep pesky heroes from doing this?

Attack your PCs mid sentence. Duh.