I also harboured suspicions that the wartime experience of hardship and destruction might have encouraged Dutch habits of thrift and frugality. It was not for nothing that the practice of splitting restaurant bills down to the last penny was known internationally as ‘going Dutch’. Amsterdam had its snappy dressers, for sure, but overall the Dutch had a strong inclination to frown on conspicuous consumption. Tipping in restaurants was viewed as unspeakably decadent; there were strict limits on daily withdrawals from cash machines; and the Dutch word for ‘debt’ (schuld) was the same as the word
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