The $~\displaystyle \binom{20}{10}~$ factor is good.
So, reserve this factor, and now assume, without loss of generality, that Person-1 pays for Dinners 1 thru 10 (only).
So, the problem has reduced to determining how many distinct ways that there are that the (distinguishable) persons 2 thru 4 can pay for the distinguishable days 11 thru 20.
Stars and Bars is wrong here, specifically because days 11 thru 20 are distinguishable.
That is, consider the specific solution:
$x_2 = 4, ~x_3 = 3, x_4 = 3 \implies x_2 + x_3 + x_4 = 10.$
Here, $~x_i~$ corresponds to the number of days paid for by Person-i.
However, if Person-2 is paying for $~4~$ days,
you have to distinguish between
$~\color{red}{\text{which four days that Person-2 is paying for}}.$
Since there has been no requirement that any of Persons 2 thru 4 have to pay for at least 1 day, you have $~3~$ choices for each day, as to who pays.
Therefore the second factor is $~(3)^{10}.$
So, the overall computation is
$$\binom{20}{10} \times (3)^{10}.$$
Note
If you add the complication that each of persons 2 thru 4 must pay for at least 1 dinner, then you can complete the problem via Inclusion-Exclusion.
See this article for an
introduction to Inclusion-Exclusion.
Then, see this answer for an explanation of and justification for the Inclusion-Exclusion formula.
For any set $~E~$ with a finite number of elements, let $~|E|~$ denote the number of elements in the set $~E.~$
Let the set $~S~$ denote the collection of all possible ways that persons 2 thru 4 can pay for days 11 thru 20, without any regard for whether any person pays for at least 1 day.
For $~i \in \{2,3,4\},~$ let $~S_i~$ denote the subset of $~S~$ where the constraint that person-i must pay for at least 1 day is violated.
Then, the second factor, which will eventually be coupled with the $~\displaystyle \binom{20}{10}~$ factor, is represented by
$$|S| - |S_1 \cup S_2 \cup S_3|.$$
By symmetry, and from Inclusion-Exclusion theory, this equals
$$|S| - 3|S_1| + 3|S_1 \cap S_2| - |S_1 \cap S_2 \cap S_3|$$
$$= 3^{10} - \left[ ~3 \times 2^{10} ~\right] + \left[ ~3 \times 1^{10} ~\right] - \left[ ~1 \times 0^{10} ~\right].$$