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So I go either of two way. Most of the time if my offer to pay is rejected I don't offer again, I want to pay but also the other person wants to pay right.. so I just let them. But if I'm absolutely determined to pay I'll offer, if it's rejected I don't offer again but I don't put my card away, when it's time to tap or swipe and my friend is fucking around trying to get the card out of their wallet I move in and strike, and slam my card in that reader and the bill is paid before they even know what the fuck is going on, then I just walk off leaving them to accept the receipt of defeat from the cashiers.
The way you have written this, it feels like trying to defeat the boss in a video game.