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He bought something in a store and want to pay by his Amex card. Although amex card is on the sign at the counter, the sales rep said, " Sir, we would rather you use another card". So my colleague produced his Mastercard. And again the salesman said, "Sir, do you have a visa?" At this point my co-worker put his mastercard back into the wallet, and throw the Amex card on the counter, " I have points on this card, either you accept this card, or you don't have my business". The amount in point is petty, the store want to save on different discount rates of credit cards, the customer want to get his points. But when the store tried to get its way in a sly way, the customer was pissed off.
Back to your story, it is natual for someone who hasn't been a frequent patron of Chinese restaurant to assume credit cards are accepted. When the restaurant suggests they will charge 65% more if customers don't pay by cash, of course the customer thinks he is being ripped off. So that's what you mean by "Notherners having too much pride": your ideal chinaman should obediently run out and get some cash from the bank machine and pay the damn bill. But wait, the restaurant run by old timers like piggy also have too much pride: They have a lot of pride in sticking to their payment policy, (by penalizing rogue customers with a 65% premium), even at the cost of upsetting other customers with a one hour argument.
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