So many of us have the same experiences with this issue. I banned a guy from my boat for a couple years of fishing after he pulled the "no cash and gotta go" trick on me. I always make it clear to ALL that we ALL (including me, the guy who bought the $70K worth of boat) equally share expenses and nobody leaves until the boat is clean. We also share all catch. An added insurance policy is the Square credit card reader that attaches to your phone. I always have it on hand with my account set up to receive funds. I'd rather pay a small percentage to get the guys share rather than getting stiffed. Everyone carries a credit card or ATM card. I don't buy the forgot wallet trick. I do tend to stick with known buddies that are proven, though sometimes you need to give others a chance.