I always pay cash when I eat out alone, and I always make sure I have enough of the right denominations of bills so that I don't have to make the waiter go and get me change. I have the right denominations to cover the bill plus the tip.
So that means theoretically I could just put the money in the check folder and get up and leave the restaurant immediately after paying.
But the last several times I've hung around at my table until the waiter came back and asked me if I wanted change and I said no, that's fine, thanks keep the change. And then I left. Obviously it's not necessary for me to wait like this.
I do this because I just hate the thought of leaving cash unattended in the check holder. It's like leaving money right out in public or something. The last time I did it I kept wondering if before my waiter got a chance to collect it the money it in whole or in part "disappeared". Or perhaps another employee picked up the folder and helped themselves to some of the tip.
Does anyone else in this forum do this? Or is this simply another one of my neuroses (lol).