ANSWERS: 3
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Unless everyone has agreed that you will pay the entire bill, it is perfectly fine for you [or anyone else] to pay their portion of the bill in any manner they choose. To me, this would be like saying you couldn't pay your portion with a credit card "because if you have a credit card you obviously should pay more of the bill." This doesn't make sense either, does it?
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Unless it was predetermined that you'd be covering everyone, you are under No obligation to pay more than your share. However, rather than making the waiter split the check why don't you save the gift card for next time, and pay cash. Fewer headaches all around.
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It really shouldn't make any difference.
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