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Wait what? How are you then going to send someone money?! If not through the bank? What special USA feature is this?

Its crazy, every time I am in the US and a group needs to split a bill its a absurd debate over which third party payments provider to use.

I've even had people refuse cash because they want me to "venmo" them or whatever stupid app they prefer.

Isn't "split the bill" something that the restaurant does?

Sometimes. In USA they may require one check for parties of >N (where N can be 6). Some (fancy) places won't split at all. Then consumers juggle apps to square up the deal.

Yes but a lot of people just use apps. It's weird.

Americans are super weird about dining procedures and expectations. Remember, we tip here. It's weird.

Most of Europe tips too, and increasingly there is a service charge too (at least in the UK it has become standard now).

According to this list it doesn't seem like most of Europe tips too

https://en.wikipedia.org/wiki/List_of_tipping_customs_by_cou...

In your list it says 13 out of the 18 countries tipping is customary or expected. France and Spain are not among those, which tracks with my experience.

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