I used to feel that way but recently I was in Europe and https://www.qerko.com/en was everywhere. It was pretty great honestly. Instant app so I didn’t need to install anything. My party could split the bill however we wanted ourselves. If you had GooglePay or ApplePay it was one tap to pay. Pay and go whenever you want without having to flag anyone down. It was optional if you wanted you could ask for a bill.

As much as I hate installing restaurant apps I can get behind this experience.