Well yeah I pointed out that if you are in a financial hardship, I understand that.
And sometimes, with lower tippers, it's not financial hardship at all.
I waited tables in the mid-1990s, and there was an ongoing shift at the time from 15% to 20% as a general tipping percentage for competent service. Most customers middle aged or older typically tipped 15% as a starting point, commonly rounding up to the next dollar or an extra dollar or two tacked on above that. We all loved getting ~20% tips (and occasionally better!), but no one ever treated 20% as a minimum tip to "feel good about". 15% was fine ... no snarky comments in the side station, no "
eff those people -- I hooked them up!" letdown.
Anyway ... point is: Sometimes, people come from a different time or place, and tipping that extra couple dollars just feels out of line. Whether they can afford it or not. That was true in the 1990s, and is still true now.