You can always pay for your own meal while the others split up the rest of the bill and do their thing.
“The game is meant to be fun,” Durbin says. “It sucks to lose, but it’s a fun experience. But if you don’t have the money or aren’t willing to participate, don’t, regardless of what people say. And they can sometimes really say a lot and try to urge you to play. My friends can be ruthless about doing that, and a lot of guys can be, especially if there’s alcohol involved. But there’s no shame in opting out.”