This excuse is one that annoys me most. If you don't have enough in your bank account, eat or drink at home. If you can't afford it, don't try to spend it.

#119....please don't make lame excuses for being an asshole. The server has to pay taxes on what the govt assumes they were tipped. Therefore the server is paying for the privilege of serving you. Tipping is not rocket science. A standard tip is 15% of your bill, more if the service was better than expected and a bit less if the service is sub par. If that math exceeds your skills, there are tip calculator apps that can tell you exactly what you should tip. You can also ask your server to add the appropriate amount....trust me, they know exactly what 15% of the bill is. If you do not "have enough money in your bank account", you should not go out to eat or should choose a place that doesn't require tipping....like Subway or McDonald's. I am on a limited budget myself, so I choose where I go by how much I can afford and figure a tip in as part of the outing. Oh...by the way, if you are using a gift card, coupon, or Groupon the tip should be 15% of what the bill would be normally, NOT the reduced amount.

#120 and #128, she is from Canada. I think the minimum wage of the waiters there is better than in the US. Maybe that's why she doesn't have the same tipping culture as the people in the US. I'm from a country where the minimum wage is around $13,50 (US) for everybody, including people in the restauration industry, and that's why we don't have a strong tipping culture here either. If I went to the US, I would tip though.

If you're in the US, unless the server is downright abusive, then you tip. If you can't afford the tip, then you cannot afford the meal. You're cheating someone out of their wages.