It's meant to be an enjoyable experience, not 'how can I get Margaret to pay for my starter?'
That's how I would see it too, but there are plenty of CFs for whom the enjoyable experience is getting others to sub them. Obviously, they like 'saving' money at somebody else's expense, but there are also some who get a real sense of personal triumph at having got one over on somebody else.
How is it 'mean' or 'stingy' to not want to subsidise someone else's meal?
Bizarre, isn't it? It's like dining-out DARVO - where the stingy person is the one who doesn't want to pay for OTHERS' food and not the one who doesn't want to pay for THEIR OWN food.
And what happens when someone orders say bread or sides for the table? Do you refuse it?
I'm not saying that everybody has an ulterior motive, but for CFs, it's the oldest trick in the book to order something 'for the table', that they either know other people aren't so keen on, or otherwise they never let others get a chance to get their hands on any. Not only are they getting everybody to pay for what is effectively their own sides orders, but they're actually double-exploiting it (planning in advance) when later justifying why 'we should just split the bill', when they will often have deliberately taken advantage. In not so many words, they're basically saying "Because I got you to pay for my bread and butter, garlic mushrooms and wine, that obligates you to pay for my lobster as well".