And if the user deliberately or accidentally doesn't spend their money, or if the Cafe doesn't attribute spend to the right user, or even that owner begins to resent the further sliver of profit, there's incentive to game the system. Badge might ask users to upload receipt images for disputes, but that's an expensive business overhead. The problem is based on the problem that cafe staff can't or won't gently enforce the social contract that you pay if you take a table, and the proposed system is that cafe staff are doing exactly the same thing and the owner is paying Badge a commission. Might a user complain to the staff that they were "marked" unfairly? We live in a world where store owners add 3% to credit card transactions because of the loss to the Banks but would they want to return to the days of stores managing their own customer tab/lending?