It was a simple solution some time ago, using LNbits as backend, goingdutch.pm but seems to be offline now. It was designed exactly for this kind of situations where a group of friends want to split a bill.

You can easily create such split process with LNbits split extension.

Anyways, including tether and liquid is not a coincidence, is a real push from fuckers to make people adopt this crap. I consider it a total attack against Bitcoin. But yeah people love to be blind and look away from these.