It's a matter of wealth.

I've found that being banker in the "dont-count-it" method is to my great advantage when I'm having a meal with a group of people who consider themselves well off. People employ the 'Yuppie Dining Coupon' method is employed even at a light lunch. On the other hand, folks who are a bit more desperate tend to scrimp. Folks who game the system too often are snubbed.

If one cares about the money, I guess one could pick the method for the crowd.