Evesdad
Tour Winner
In my normal 4 ball we just take turns and buy drinks and food. It's not an issue as we've been playing together for a good few years now. Through the winter months we play our own form of a match play sort of format. Loser buys lunch but is exempted for the follow week. A birdie also gives exemption. If I'm playing with others I'll always offer to get the first round in but a bit like the OP some people get there and insist on buying. It usually works itself out in the long run.