win
I think it is harder with longstanding friends who suddenly change than new friends, where you can just say things straight out the beginning My very longstanding friend 50 years plus on and off during the years as is normal and I see each other every week and go out for lunch regularly. Lately she lets me pay and say she will get some cash as she never carries any but then forgets. I remind her again and again but she never pays her debts. I even wrote it down for her as I wondered if there is early memory issues setting in, she paid me another debt in cash but never for the last 3 lunches. She is however very generous when she comes here on other weekly occasions, always bring a couple of nice cakes or a box of chocolate, but she does eat half herself. So they aren't actually a gift for me. If we don't finish them I would never take one when I am here on my own. That is the expectation. It is always me who orders when we go out and in the sort of establishments we visit you usually have to go to the counter to order and at times to pay. So I do not find it so easy to sort that out with separate bills, as she is rather unstable on her legs. She is definitely not short of money, in fact she is loaded so it is not that she cannot afford to pay up. She buys new really good clothes weekly and presents immaculately. Any ideas?
Wouldnt the restaurant have one of those card machines they can just bring over? If where I'm going is more than just a cafe then I rather expect that they'll wave a card machine at me when it's time to pay. Card machines these days don't have to be all wired-up and so these days I just wait for them to come over with one of them in their hands to my table. Just tell them at the time you're both ordering that it will be separate bills at the end and, when you've both finished eating, wait for that card machine to be brought over to your table. No need for her to get up on her legs and walk to the counter.
If they don't have a card machine - they've had the hint they need to get one in (ie after you've asked for it in a casual "Of course you have one" tone of voice). If they say they havent yet then, at that point, you can then also ask for separate bills.
Presumably the counter is there and you both have had to walk past it to get in and will have to walk past it to get out again?