LRH did nail on the first page and I only read to the end of the thatt page. As a bartender, I'll take cash or a CC tab over waiting for the debit terminal to be free.
As for chipped CC's: start a tab, close it out and enter it once.
For the business, having portable debits can be an issue as they can circulate away from the bar/server and be replaced with a skimmer. That's a bigger issue than a $3 or ($30) service charge for both the house and the customer.
If you find the service charge ridiculous, take out a lot of cash once. Or trust the bartender and start a tab. You might even get preferential treatment from the same bartender when you do. And as an FYI/PSA - if you a start a tab, go to the same bartender you started it with.
Seriously though, how how hard is it to plan ahead and stop by a bank or atm before you get your get your fubar on? You know there will be a charge on almost any ATM or should. Not thinking is allowed after drink #6 - not while sobriety is something you still enjoy.
protect tom mcdonald at all costs