> Or when they ask for my name and my credit card is in their hand.

This is useful for a number of reasons, one of the biggest is trans individuals.

I had a situation where I was at a table where the check was split. The waitress decided to hand ours back individually, so she started calling out names... leading to embarrassment for basically everyone involved, and possibly out-ing someone who may not want their sex known. Luckily, we were all friends, so no harm to that individual... but you just don't know.