I agree with you guys on expanding the neutral bar etc. but when you go do a job and the 100A panel is a rats nest and there just isn't any working room in there and the neutral bar terminals are already three and four wires deep, what can you do? I know a service upgrade is the right thing to do but when your main mission is to install a garbage disposal circuit, the homeowner doesn't want to hear that it will cost $1500 to install a new service. In the scenario I described, the jumper between the neutral and ground wire and the neutral bar is just an extension of the neutral bar itself. I don't like doing this either but I don't believe it is posing any great threat on the other hand.