The rapid evolution of Large Language Models (LLMs) has accelerated the transition from conversational chatbots to general agents. However, effectively balancing empathetic communication with budget-aware decision-making remains an open challenge. Since existing methods fail to capture these complex strategic trade-offs, we propose InteractCS-RL, a framework that reframes task-oriented dialogue as a multi-granularity reinforcement learning process. Specifically, we first establish a User-centric Interaction Framework to provide a high-fidelity training gym, enabling agents to dynamically explore diverse strategies with persona-driven users. Then, we introduce Cost-aware Multi-turn Policy Optimization (CMPO) with a hybrid advantage estimation strategy. By integrating generative process credits and employing a PID-Lagrangian cost controller, CMPO effectively guides the policy to explore Pareto boundary between user reward and global cost constraints. Extensive experiments on customized real business scenarios demonstrate that InteractCS-RL significantly outperform other baselines across three evaluation dimensions. Further evaluation on tool-agent-user interaction benchmarks verify InteractCS-RL robustness across diverse domains.