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Your "going with the flow", just letting things happen, not planning, organizing, etc. are signs of lack of respect for others. It's just plain rude to show up late (not getting directions) for something, ill-prepared or not prepared at all. I wouldn't tolerate that disrespect from anyone, much less from a first date. It's time to grow up.
There you go...you "offered". IMO, you should have "insisted", especially since there was no plan to see her again, which begs the question, why exactly did you ask her out again?? I think she was just being polite and said "yes". Like another poster mentioned, you could have excused yourself and ran to the ATM. For me it wouldn't be a deal breaker if I sense the guy is being genuine and I'd give him another shot. If on date 2 or 3 he pulled that stunt again then he'd be written off for sure.
I agree, whether he was interested or not, he should have insisted on paying his share. If this was a non-dutch date, then that's a different issue, but I feel a man should pay on the first date at the very least. Going forward it would be up to the individual couple, but for me, If I didn't pay on the first few dates, I would feel cheap.
I think most women when put on the spot will say yes even if they don't mean it to avoid hurting your feelings.
Or to avoid awkwardness
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