Well, here's a solution to but-I-only-had-salad-why-should-I-pay-equally-to-someone-who-had-a-steak-at-the-table when the restaurant bill comes. Simple - Doozy, from Arope insurance, made it a point that you pay as much as you drive. Simple, "il fallait y penser" as they say in French. All right, I am not familiar with the nitty gritty details of the offer or if there are any hidden or extra or flat fees. But the whole idea is very palatable actually and it does make sense.