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Amara
Jun 4, 2009
I mean for "small debts between friends" this is almost exclusively like, who cards the dinner so that they don't have to split the bill 8 ways or whatever. With venmo these days it's fairly easy to just venmo even splitting of the bill to the card holder but back in the days of having to do that with cash it was a huge hassle.

Enter the credit card game.

Everyone who came to the dinner/event puts their credit card into a hat (this was also before the new trend of metal cards for "premium" feel). A card is drawn out. That person pays the bill. This is done at the end of dinner and randomly to prevent people from selecting cheap restaurants or guilting each other for expensive entrees/drinks in a turn-based system.

Go out with more or less the same friends relatively frequently and it all becomes a wash.

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Amara
Jun 4, 2009
Well yeah, it encourages everyone to order food, drinks, apps, and also to do things like share apps and share desserts and get sides to share etc. It does encourage people to spend money.

It discourages people from trying to scrimp and only order an entree or a salad. You don't do the credit card game if you're on a tight budget. If you're the guy who wants to order one dish and only pay for the dish you ordered or if you're the guy who sees this and immediately thinks "how can I munchkin this arrangement / how am I gonna be screwed by my friends by this arrangement" then this probably isn't for your group of friends.

This isn't designed for "most fair" or "best with money". You wanna do that then you pick up the receipt at the end of the dinner and count up exactly what you owe and everyone pays for exactly what they got. The credit card game is for groups of friends where one person typically covers the whole bill anyway, for convenience, and this just makes selecting who covers the bill easy.

My read on OP's question is "hey guys who hate trying to keep track of exactly who owes what are there shortcuts?". This is a shortcut. And all shortcuts probably leak money just like his 12 to 10 example.

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