You make a good point. If things were handled beforehand, such that one person says let's go out and split everything, I've got this app that will do it for us,

You make a good point. If things were handled beforehand, such that one person says let's go out and split everything, I've got this app that will do it for us, then it takes that awkwardness off, and I think is more friendlier. It's the before-hand planning, versus the afterward billing...