When going dutch, taking all of the cash left by others (including generous tips) and then paying off the entire bill leaving a much smaller tip than the cash payers left.
Marg ordered a $10 meal with four friends who all throw cash on the table (including generous tips since they didn't have change)
Marg grabs the $55 her friend threw in, and the check totalling $50 tab. Marg says, "the service was terrible I think the server only deserves a 10% tip". After paying $55 for the whole tab, Marg has successfully cardateered herself a free meal.