Scenario 1: Bob goes to BOG with his family. Bob has 2QS credits left. They buy 4 meals, and a cupcake. Bob is allowed to pay with a single Magic Band, use 2QS credits, and the balance is charged to his room.
Scenario 2: Bob goes to BOG with his entire jazz ensemble, who are in 5 rooms, but they're on one ADR. They order 10 meals. Bob can use however many QS credits he wants from his room, and charge the other meals, but they cannot access QS credits from multiple rooms.
Scenario 3: Bob goes to BOG and buys 4 meals and a cupcake. He can put it on ONE credit card and shake down his friends for their share later.
Scenario 4: No one preorders and they have to wait in line but everyone can order their own thing and pay with their own payment.