Well, the story of the Steamboat Arabia guy could be about his adventures on the steamboat. Maybe he was a crew member who had many exciting experiences during the voyages. For example, he might have faced rough waters, dealt with difficult passengers, or witnessed amazing things on the river.
Maybe you haven't explored all the areas in the game. Try looking in different locations or completing specific missions to trigger Willie's appearance.
Using such offensive language is not only wrong but also can cause harm and distress to others. It reflects poorly on the person using it and has no place in civilized communication.
He might have been a trader on the Steamboat Arabia. His story could involve transporting goods up and down the river, dealing with different merchants at various ports. For instance, he could have traded in cotton, tobacco or other local products.
I'm not sure specifically which 'little willie story' you mean. It could be a personal anecdote about a boy named Willie, perhaps something about his daily adventures, like his experiences at school, with his friends, or at home with his family.