In fairness, that civilised solution is extremely slow. If you have a meal with 10 people want to pay separately... that's a lot of wasted time just waiting for a card machine.
I was pretty shocked when I first went to America and they just took all of our cards into the back. Hilariously insecure but you can't say it wasn't more efficient.
App payment seems like a good solution.
Currently the only reasonable option seems to be for one person to pay and then split the bill on Monzo - that does work well but some people don't have Monzo still.
Historically the laws around credit card fraud in the US was more consumer friendly, and so the risk to letting your card out of sight was low enough people didn't care.
Laws have changed over the past 20 years, but the culture around how we treat cards has not.
Anecdotally, I've never heard of anyone having a problem getting the charges refunded on a card that's been used fraudulently, regardless of the state of the law. If people were actually losing a lot of money to this type of fraud, I am sure the culture would change, but right now it doesn't seem to be a major problem.
Credit card companies or their insurers I suppose. They must figure it's worth it to pay out in order to maintain their reputation as a secure payment method.
I was pretty shocked when I first went to America and they just took all of our cards into the back. Hilariously insecure but you can't say it wasn't more efficient.
App payment seems like a good solution.
Currently the only reasonable option seems to be for one person to pay and then split the bill on Monzo - that does work well but some people don't have Monzo still.