Sophistication is inefficient. To settle the bill at a restaurant, if it's a classy place, I ask for the bill, the waiter brings it, I look it over and give them my credit card, they take it away and swipe it, then they come back with the receipt that I must sign, then they take it away again and we're done. All this for the privilege of not walking a few metres from the table. Doesn't seem like the best way to do things.
Mokalus of Borg
PS - Unless your definition of "best" is "never mention money".
PPS - Or "never walk to complete a transaction".