Funny, I've lived in Europe all my life and I've never had these kinds of problems...
1) they charge you again for a refill. wtf?
Depends on where and what you're drinking.
Water in your average restaurant? Never heard of it.
Coke in your average restaurant? Sometimes, sometimes not.
Anything but water in a fancy restaurant? Yes, in most cases.
2) they charge you if you want more than two ketchup packets.
Just about any place where I can remember eating, they just leave bottles on the table, and just swap bottles when they empty up, I've never had to pay for it.
How much ketchup do you use anyway?
3) if you ask for water they charge you $5 for a bottle of evian. are we in the fscking 3rd world where the water will kill you? no.
Wouldn't know since I prefer tap water, but then again, around here we kinda take care of our water reserves to make sure the tap water is both healthy and well tasting.
4) the bars won't keep your credit card open as a tab. everyone on the planet drinks more when they only have to say their name in exchange for a drink. this is a really big problem because of 5, below.
Granted, I generally frequent maybe 3-4 bars, and go to others once in a while, so my sample size is hardly enough for a scientific study, but often they're more than happy to let you have a tab, unless circumstances don't allow it for one reason or the other.
5) credit card minimums. it's the 21st century, and backwards europe still carries cash around? worse yet, the smaller demoninations are all in inconvenient heavy coins that trick you into thinking the 4 pounds 50 p that you just paid for a sandwich in a plastic box at sainsbury's wasn't that much.
Some places have this if you buy for like $5 or less, though it isn't actually allowed, so you could always start an argument about it if you felt like it.
Me, in the few cases I've ran into this, I haven't really cared, since the extra fee is generally on the order of a few skr(1 skr is around 10 cents, a bit more due to the currently weak usd).
Don't you guys still use cheques and stuff by the way?
Anyways, you may or may not be aware of this, but Europe isn't one country.
Many countries in Europe are different enough that they may as well be on opposite sides of the globe.
As for racism, the only place where I've felt badly treated was France, but I don't like them much either, so I guess that's fair enough.
I'm pretty much done traveling in Europe though, I don't care much for most of it for various reasons, I do have my eyes set on the US and Russia though, and I wouldn't mind going back to Prague again(awesome city, I strongly recommend anyone to visit it).
A more general observation after reading this thread is that there seems to be a whole bunch of narrow minded jerks/bigots posting here, both Europeans and Americans, no big surprise though.
Oh and one last thing, regarding currencies, we don't have the Euro here in Sweden(and for that I am thankful), but I've never had a problem with this.
When I need cash, I just hit the nearest ATM and withdraw with my card.
They used to charge a small fee for this, small enough that I never cared, but I think my bank does it for free these days.
Not much different from doing it in any Swedish ATM, the bills look different, but that's about it.
Hmm, one last addition after having read GT's very nice guide, regarding the part about starting a conversation in English rather than the native language.
Personally this happens to me all the time during the summer, mostly by Americans, and I've never felt the slightest bit offended by it, and I'm more than happy to give directions or whatever in English, as are everyone I know.
If anything, that's one thing that annoys me about large parts of Europe, some people's unwillingness to speak English(yes I'm talking to you Frenchies), let's face it, we can't all learn every damn language in the world, and English is fairly universal, so why not?