True, although how would we solve the same problem if we simply didn’t have enough in the account? I’d ask a friend and pay them back later.
With the case of an expensive round of drinks. The bartender usually takes some of the drinks off the bill and put them in a chiller if the full round can’t be paid for.
As for restaurants, I think they should stay categorised under eating out. You’d still be able to pay for the meal, but would also be in danger of spending all of your money getting drunk at the bar.
I’ll admit it’s not perfect, but is feasible.
Feasibility Update
Still needs more a lot more thought, or maybe just let the topic die 