[cornewut]

Actually I can't even imagine handing cash directly to someone - this kind of seems rude to me. It would be even worse if the note was folded. Doing this also might involve hand contact (which again might make someone uncomfortable). (I'm from Northern Europe).

[kiiski]

In Finland we give the cash/receipts straight to the person. Nothing rude about it. I don't remember there ever being any hand contact involved in it. I guess some restaurants might use trays, but not the ones that I ever go to.