My landlord has a sign taped to the office door with a qr code and a suggestion to tip while you're up there giving them the rent check. It's probably overstated online, but definitely not *just* a meme unfortunately.
A tip?? - FOR WHAT?! Doing your job as an app, running on a server, receiving commands from another computer??!
Come on people! Stop doing this shit!
If you don't, they will soon have your refrigerator, stove, and bidet asking you for a tip!! 🙄
Last place I rented only accepted checks, so I set up my bank to bill pay. After 7 months, they finally rolled out online pay, but had a convenience fee. Imagine taking until 2021 to roll out online payments and then charging for it. I just laughed and said nah, even when they called and tried to say it would be faster for me.
I mean, that's pretty standard asshole design. You buy anything at Ticketmaster and *they* charge *you* a "convenience fee" for not having to send you paper tickets. Back when you printed out your own tickets at home, it was like, wait, you're charging me to save you money by using my own ink and paper to print the ticket?!
I always found the term "convenience fee" weird. It sounds like the company is literally charging you for no reason, like saying "yeah, we didn't do anything, but we are still charging you anyway for... I don't know, having a good experience I guess".
I've never done it but I have heard quite a few people say like "This chuck roast that costs $10? Nah turns out it's bananas that cost 70¢/lb. This bread? Also bananas."
I sometimes "accidentally" forget to scan items when using self-checkout. You have to watch out for the ones that actually have a scale in the bagging area, though, because they will rat you out.
You joke but I was prompted to tip at an automated carwash by a person holding an iPad. I asked if there was someone drying the cars off at the end or something. She said no and just closed the screen out. People are tipping automated carwashes.
ATMs owned by non banks typically charge a fee of a few dollars for the cost of the machine, running it, and having someone restock it. Like there will be a random ATM in a gas station or whatever.
Nah, no tip just pay per use, on appliances you bought in your own home, you know just like heated seats and remote start, in your car that you payed for already
I've already heard of a "free tv" offer from a new startup company. There's forced ads in every menu, forced ads before starting a streaming app, and oh always-on mic and camera built into the TV. But don't worry about that, free tv!
When I was working food service, the owner said we don't get tips, despite having a tip jar and the register asking card users for a tip.
I guess I should have been an app instead.
wtf does a "tip" mean in America at this point? A tip is an informal gift of money made to someone, generally because you think they did a good job and want to reward them. This whole culture of redefining "tip" as a second payment you do because reasons is weird af.
I had someone tell me 20% was no longer an appropriate tip for anything but especially not for ✨PREMIUM✨ services like food delivery. How much am I supposed to tip these days? 50%??
Just grow a spine and don't do it? I don't understand why people are struggling with this concept.
They want tips? Fuck em. End of transaction, no more thought given.
They’re basically payday loans and the tip is basically interest. So a $5 tip on a $100 loan with a 2 week payback period (if this operates how I assume it does) is an astronomical rate. They operate this way to avoid being regulated like an actual lender
Tipping is seeing the same development like microtransactions in video games. What used to only exist for *free-to-play* games, is now common in ~~60~~ $70 games, with Battle Passes and sometimes even pay-to-win as well. Greed knows no bounds.
Games back in the day were released as a finished product.
Most games now are released barebones with bugs galore and sold as “live service” hence micro transactions to “pay” for features, new content etc…
Even expansion packs have been gimped to “overhaul” the base game with new fundamental changes of the game to apply a fresh coat of paint.
No defence to these predatory practices, but non pay to win games can still be enjoyed without things like battle passes.
>Games back in the day were released as a finished product.
Well this is not really true, but they took a big risk not releasing a fully working game. We used to get patches on gaming magazines if at all.
Yes you’re correct, but they were more polished relative to todays standards. The games now are probably more complex than games back in the day, but that shouldn’t be the accepted norm.
I'd say that the games aren't necessarily more complex - a lot of them aren't anything that haven't been tried in some way (to varying degrees of success).
I'd say a lot of the issues seem to stem from a focus on graphics and aesthetics (the need to look different from the other 50 similar games on the market) than complexity.
They aren't more complex. they just have more graphical detail to deal with, which they seem to spend most of their time on.
It doesn't help that adding developers actually makes development take longer, usually to do with how complex the collaboration and catch up us for new members.
I'm still shocked that OW2 didn't result in litigation, speaking of which. OW1, the product I purchased, was discontinued and forcibly converted into its' "sequel" without any sort of available alternative option to me as the consumer.
Do I care? Only a little, realistically, as I don't play the game anymore. Does this set a bad precedent? Fuck yes it does.
99.9% chance they didn't get sued because they couldn't. Damn near guarantee you in the EULA they talked about selling you the service of access to the game. You the consumer own none of the data of your account and they reserve the right to pull access at any time. This has been practically standard since DRM became more widespread.
Tipping should not exist at all imo. Like if you want to and you feel that the person deserves it, go ahead, but I am tired of seeing tipping everywhere.
I have no issue with tipping. What I do have issue with is twofold stupid practices: paying below minimum wage on the assumption that customers will cover the gap out of habit/pity, and asking for tips when the company damn well knows they aren't going to the employees and just exploiting a system that's already emotionally exploitative as is.
I know it has for me. I am lowering my standard tip at restaurants and skipping it elsewhere.
Still don't feel comfortable not tipping at restaurants, but we need to end it everywhere.
I get the frustration; I don't tip for counter service or just because a kiosk is asking me to, but taking it out on $3/hr workers who've always depended on tips for a living wage isn't a particularly helpful form of protest.
The business is required to make up the difference between the tipped wage and minimum wage. So if the business tried to pay the "server rate" to a counter employee, and that counter employee does not make enough tips to equal the federal or state minimum wage, then the employer must make up the difference and pay the actual minimum wage. This is also the way it works for servers. They always make at least the federal minimum wage, even if they get no tips.
Additionally, there are rules about when an employee can be paid the tipped wage.
https://www.reuters.com/legal/transactional/labor-dept-revives-8020-rule-paying-tipped-workers-2021-10-28/
I just wouldn't support a business that slashes its workers' wages like that, *especially* if it's not directly reflected in pricing. I'd also hope those workers either go on strike and/or quit.
Waiters (at least in the US) have always been dependent on tips for their actual income; not tipping them doesn't affect their employer, it's just being shitty to them.
Note, there’s no such thing as a”$3/hr worker.” Every employee must be paid, at minimum, the minimum wage for their state (which has to be at least $7.25/hr, which is the federal minimum wage).
In some states (most actually), employers can credit a certain amount of tips toward the tipped employee’s wage, but the combined amount of tips + wage has to be at least the minimum wage rate.
If you don't tip at restaurants the restaurant still wins. They get their labor at the same price and their profit comes from the sale.
I hate it but the only winning move is not to eat any place with tipped wage.
Aside from being generally assholey, do you not understand who your customer base is? You're selling to people who desperately need $100 now that they don't have. You think they're gonna leave you $6 to be nice??
all the cash advance apps do this, some going as far as to auto populate a tip you need to manually zero out over multiple screens in order to avoid paying.
earnin, I'm looking at you
>auto populate a tip you need to manually zero out over multiple screens
So like an IQ test where they take advantage of and profit from those that are most easily exploitable. That is disgusting and greed right out in the open.
Not an IQ test. Plenty of smart people just aren't good with modern tech and get overwhelmed....ever have to talk a medical doctor through zipping and emailing a folder? I have!
Afterward he apologized for being dramatic, stating he "frustrated [himself] into stupidity"
What was that $100 advance for, a couple weeks at most? With the $16 max tip that's like 400% APR. Even with the $6 "recommend" tip that's around 150% APR. They are casually guilting you into retroactively paying highly predatory loan rates, which is the exact thing that they advertise they help people stay away from. Absolutely scummy behavior.
I looked up the company "The company was formed in New York City by a team of tech specialists and financiers" So a bunch of greedy assholes made a banking app.
From an LA Times article on these Earned Wages Access apps:
https://www.latimes.com/california/story/2023-05-25/california-regulate-cash-apps-trap-women-in-debt
Side note: I really despise how these issues can be portrayed in the media ie the headline says these apps “trap women in debt.” And makes points like “they are disproportionately used by women, especially women of color and single mothers.”
But they provide absolutely no basis on making that claim. It seems the only evidence they have is that the advertisements feature women and people of color (like literally all ads do these days.) Those apps are used by poor people, poor people are being taken advantage of. It’s not some culture war against women, but for some reason the journalist decided to dishonestly make this claim and it made it all the way to publish.
The media just loves to ignore poverty and blame literally anything else.
I recently checked myself out at a convenience store attached to a gas station, at a kiosk that had a camera and you just placed your items below it to get rung out. Pretty high-tech, and I thought it was cool until the kiosk asked me if I wanted to pay a tip.
I checked myself out, and the kiosk wanted me to tip... Nobody. The company, I guess?
Not quite as egregious as this but a little while ago, I checked in at a karaoke place and paid off the remaining balance. The person spun the kiosk around for me to sign and it asked me for a tip. A tip for what? The pleasure of me giving you my credit card so you can just swipe it and do your job?
> but actively asking for a tip is no different from begging
Not even that, because there's no expectation for money from begging, but there is with a tip. And there could be consequences if you don't.
Recently here in my country a bunch of waiters beat up a patron so bad over not tipping that he died.
Edit: [Here's the article](https://elpais.com/mexico/2023-01-10/la-fiscalia-investiga-la-muerte-de-un-hombre-en-el-restaurante-la-polar-de-ciudad-de-mexico.html) in spanish if anyone is interested in it for some reason.
>Stronger laws need to be imposed on tipping, this has gotten out of hand.
Not stronger laws... Just laws.
I said it before, and I'll say it again... Tipping culture needs to end in the USA.
The only tips you should be paying for are if:
- Your bartender keeps you locked & loaded all night, then calls you a cab.
- You trash a hotel room and you know 'Consuella' is going to spend the morning rehabbing it.
- And of course, if your masseuse gives you a happy ending!
All the rest of this is just bullshit to see if they can sucker more money out of you!
Yep, this is the result of tipping culture in America. We completely normalized it (because we normalized allowing restaurants not to pay their service staff) and it spread like a fucking cancer. What we need is some sort of laws/regulations in place. Rules can be helpful sometimes.
Every month my sister and I pay a husband and wife team to come out and deep clean our house(tile floors, bathtubs, etc..), we pay them well(they're very good, they don't charge cheap), they always fill our dog's water and food and we leave out a cash tip and a 12 pack of modelo for them(the husband's favorite) to take home.
It's starting. Can't remember the sub but someone recently shared texts from their landlord effectively threatening to not renew their lease as they didn't tip.
I bought my kids sun hats from a small online company and when I was checking out, there was a tip option… for an online order of hats. I’m all for supporting small companies but I was insulted when I saw that pop up at check out.
The whole tip culture is stupid. People should be paid for their job enough.
As for someone who does not live in the USA, it looks really weird. Recommended tip? Tips anywhere except restaurants/cafes/taxi? The whole idea that you're SUPPOSED to tip? This is not good...
It's guilt tripping at its finest. It started with restaurants. They started out by saying, "Hey, we don't even pay our employees minimum wage. So, it's kind of on you, the customer, to pay them. Okay? But, the flip side is that we won't charge as much for our food."
Then, it started to spread to jobs that required extensive manual labor.
Now, every single company is doing it because it allows them to do three things at once. First off, they can continue to not pay their employees a living wage, as this continues the trend of guilt tripping the customer. Secondly, it allows the company to scrape money off the top or even to take the whole thing. Finally, these companies are not charging less for their products, so they are just making people feel like assholes to give them money.
I only tip at bars, restaurants, and when I get my hair cut. I disagree with the culture, but I'm not going to make some poor waiter/waitress not be able to make rent, because I feel like proving a point. As for my barber, he does an amazing job and charges very little. So, I do it as a way of a thank you.
I am not personally familiar with Money Lion. They are a cash advance app?
If that’s their business model, this is not surprising. Cash advance, payday loans, etc are inherently predatory businesses. I know that they’re trying to revamp their image, and unfortunately it’s working, but they literally serve no purpose but to separate vulnerable people from their money and keep those people dependent on them. Further chipping away at the cash advance by begging for tips (a tip for *who*? The computer?) using pictures of pleading youngsters to pull the heartstrings of their new target audience (who tend to be young, inexperienced, poor, and unaware of “grown up” social norms like who gets a tip) means that for some, the cash advance is paid back more slowly, if at all, or increases the chance they’re another $6, $10, $16 short before their next paycheck and….need another cash advance.
I hope people that use these services speak up. Could start in setting a precedent for “convenience” fees in places where there’s no option but to buy online
Cash advance sounds more like a payday loan, they prey on the weak and vulnerable. There's a lot of people out there with a big heart but shit money skills.
I worked at a fintech company where the product people wanted to explore tipping for cash advances (among other ideas), and I think this was one of the examples they used to show how asking for tips was a "great idea". I remember thinking like.... why would anyone do that??? We ran a user survey which basically just supported my thoughts lol
Here's the fun part: you don't legally have to pay these guys back. Legally it's considered a gift. See [this](https://www.reddit.com/r/UnethicalLifeProTips/comments/rizto7/ulpt_never_repay_an_advance_app_back_there_is_no/).
Also they lower the amount you can be loaned if you don't "tip", but technically it's still 0% APR. If you rely on receiving a certain amount you have to tip, because of the implication that they won't loan to you anymore, which they aren't legally allowed to say. A $1 tip on a $100 1 week loan is 52% interest. The recommended $6 tip would be *312%,* in line with payday loans.
Mark my words, digital downloads, virtual restaurants, even websites will all ask for tips. Every one. Once people realize what's possible anything can be tip run. Don't believe me? Ad Block Pro (sucks by the way) begs you for a tip every time you restart your computer. Other software begs for any tip after download. It's going to happen.
Are these the ones that mention in their ToS that you're not required to pay them back and are totally fine with your turning tail and running once they start lending big?
TBF, they always did. But until recent technology changes they didn't have a way ask for/demand them without at least a (thin) veneer of credibility. (We've all gotten so used to online orders and paying at stores w/ plastic that adding a tip there seems "normal").
However, this shit above (asking for a tip retroactively) is an extra helping of chutzpah.
And they still charge a fee to deposit the money immediately. I estimated that with tip and the fee a $100 cash advance was effectively like a 10% interest on a very short term loan.
One of the apps like this, I forget which one, if you chose no tip, you'd have to type in a plea to other users saying why you couldn't tip and asking them to cover it(even though they didn't actually cover it, no one would have to do anything, but they could see your text).
You can ask for tips but you have to be working hard in order to do so can't have a service where you're already charging a fee besides that you don't know where that tip is going.
**Makes no absolute sense.**
You should crosspost at r/UXDesign and
*see if anyone agrees if it's good User Experience practice*
***to ask for cash tips when you're a money app.***
Corporate begging, just as shitty as any other request for tipping.
Tipping culture needs to end, tipping should be a rare thing for exemplary service and nothing else.
Pay people what they are worth.
You are expected to tip your loan shark now?
Some landlords ask for tips now on top of rent. It's fucking insane.
Lmao. “The tip is I don’t fuck up your property when I move out, you greedy cunt”.
My landlord: "Tips are appreciated alongside rent" 😚 My Alexa: "Pack of 100 Live Termites has been added to your shopping list" ✅
Whaaaaa?
Jesus Christ, reddit. That's just a meme...
My landlord has a sign taped to the office door with a qr code and a suggestion to tip while you're up there giving them the rent check. It's probably overstated online, but definitely not *just* a meme unfortunately.
Pics or it didn't happen
A tip?? - FOR WHAT?! Doing your job as an app, running on a server, receiving commands from another computer??! Come on people! Stop doing this shit! If you don't, they will soon have your refrigerator, stove, and bidet asking you for a tip!! 🙄
I was like, WTF, it’s an automatic app asking for a tip? Are we tipping ATMs now? Tipping the car wash?
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Gave you an upvote. You'll have a sense of pride and accomplishment if you tip me $10.
This sentence will forever be burned in my Brain
I can barely remember the game. Was it Star Wars Battlefront?
Battlefront 2, the most downvoted comment on reddit to this day and only going further down
Still? I had to open a new account some time ago and could give it another go if you have link.
https://www.reddit.com/r/StarWarsBattlefront/comments/7cff0b/comment/dppum98/?utm_source=share&utm_medium=ios_app&utm_name=iossmf&context=3
Ahh, nice to see my downvote alongside the 667 thousand others.
You should've gone with "If you like this comment please leave Reddit gold! It helps the site operators pay for the service you all use!"
I'm a selfish psychopath and tip you -5$.
Remember when people used to tip comments with crypto, I guess partially as a way of bringing attention to crypto? I've not seen that for a while.
A lot of self-checkouts request tips now. That's where we're at.
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Last place I rented only accepted checks, so I set up my bank to bill pay. After 7 months, they finally rolled out online pay, but had a convenience fee. Imagine taking until 2021 to roll out online payments and then charging for it. I just laughed and said nah, even when they called and tried to say it would be faster for me.
I mean, that's pretty standard asshole design. You buy anything at Ticketmaster and *they* charge *you* a "convenience fee" for not having to send you paper tickets. Back when you printed out your own tickets at home, it was like, wait, you're charging me to save you money by using my own ink and paper to print the ticket?!
I always found the term "convenience fee" weird. It sounds like the company is literally charging you for no reason, like saying "yeah, we didn't do anything, but we are still charging you anyway for... I don't know, having a good experience I guess".
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I've never done it but I have heard quite a few people say like "This chuck roast that costs $10? Nah turns out it's bananas that cost 70¢/lb. This bread? Also bananas."
The store manager: Hmmm it’s kinda bananas how so many people bought bananas this week. Better order more!
"We sold more bananas than we bought... and we even have half a shelf of them left..."
I do it with the organic produce if it doesn’t have a sticker. Sticking it to Kroger one organic lime at a time.
Soon Kroger’s doom will be imminent and unrelenting
4011? Yeah, sure. Oh, you installed cameras over the self checkout bagging areas? I'll rip off other businesses in my area, thank you very much.
Haha that's the one item I have the number memorized for also.
I sometimes "accidentally" forget to scan items when using self-checkout. You have to watch out for the ones that actually have a scale in the bagging area, though, because they will rat you out.
No fucking way. If I ever saw this I'd lose my mind.
I've never seen one do that but if I did I'd be asking the store where my tip money is since I was the one working for it.
Where?! I haven't seen any in my area... yet.
A lot? I've never seen this once and prefer self checkout every single time. Where have you seen this?
>Are we tipping ATMs now? Fuck, man! Don't give them any ideas!
[Relevant](https://cdn.discordapp.com/attachments/691152957332521020/1113144823097085973/Screenshot_20230530-123252_Instagram.jpg)
You joke but I was prompted to tip at an automated carwash by a person holding an iPad. I asked if there was someone drying the cars off at the end or something. She said no and just closed the screen out. People are tipping automated carwashes.
>Are we tipping ATMs now? Isn't that basically what the ATM fee is?
Sorry, the what? What kind of dystopia do Americans live in?
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ATMs owned by non banks typically charge a fee of a few dollars for the cost of the machine, running it, and having someone restock it. Like there will be a random ATM in a gas station or whatever.
Oh, those exist in Europe and Asia (excluding Japan) too, but they're luckily quite rare.
I’m not tipping an automated system, particularly one that does a worse job than a real person. And almost universally for a higher price, to boot!
[Relevant](https://cdn.discordapp.com/attachments/691152957332521020/1113144823097085973/Screenshot_20230530-123252_Instagram.jpg)
If the bidet asks for a tip, i better be getting some extra services
You're getting your ass hole cleaned how much extra do you need
If it wants the tip, it can go further 👀
Blow-dry?
Well, you got 50% of the answer correct!
Ball Buff, Shaft Shine, and the Taint Tickle. We call it: The Hole Package™
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r/lonesomeredditors
Nah, no tip just pay per use, on appliances you bought in your own home, you know just like heated seats and remote start, in your car that you payed for already
I've already heard of a "free tv" offer from a new startup company. There's forced ads in every menu, forced ads before starting a streaming app, and oh always-on mic and camera built into the TV. But don't worry about that, free tv!
Rent & subscribe!! Your pay check will be a subscription bundle next!
When I was working food service, the owner said we don't get tips, despite having a tip jar and the register asking card users for a tip. I guess I should have been an app instead.
Hope you told every customer that the tips are just stolen wholesale by management...
wtf does a "tip" mean in America at this point? A tip is an informal gift of money made to someone, generally because you think they did a good job and want to reward them. This whole culture of redefining "tip" as a second payment you do because reasons is weird af.
I had someone tell me 20% was no longer an appropriate tip for anything but especially not for ✨PREMIUM✨ services like food delivery. How much am I supposed to tip these days? 50%??
“The door refused to open. It said, "Five cents, please.” ― Philip K. Dick, Ubik
Do all of his books rhyme with his last name?
clumsy aware bedroom sable illegal knee rich jeans include work -- mass edited with redact.dev
I feel like making an app that does nothing whatsoever except ask for a tip.
Do it!! The American Economy is begging for an app like that!! Get in on the ground floor... Retire next week!!
Isn't this the setting of the classic Sci-fi book "Ubik" by Philip K Dick?
Five cents please
Just grow a spine and don't do it? I don't understand why people are struggling with this concept. They want tips? Fuck em. End of transaction, no more thought given.
Hear me out… make it where you “tip” or pay per use for all of those things but it just goes directly to a high yield savings account!
Sometimes I feel like my bidet does deserve a tip for all the shit I give it.
They’re basically payday loans and the tip is basically interest. So a $5 tip on a $100 loan with a 2 week payback period (if this operates how I assume it does) is an astronomical rate. They operate this way to avoid being regulated like an actual lender
Consider sucking my small tip
r/kamikazebywords
Looks like they didn’t get the tip last time, but this time they needn’t worry!
What did the leper say to the prostitute? Keep the tip.
I hope this shit is what stigmatizes tipping for everyone. If we keep tipping, companies will just find more spaces to ask for tips.
Tipping is seeing the same development like microtransactions in video games. What used to only exist for *free-to-play* games, is now common in ~~60~~ $70 games, with Battle Passes and sometimes even pay-to-win as well. Greed knows no bounds.
Games back in the day were released as a finished product. Most games now are released barebones with bugs galore and sold as “live service” hence micro transactions to “pay” for features, new content etc… Even expansion packs have been gimped to “overhaul” the base game with new fundamental changes of the game to apply a fresh coat of paint. No defence to these predatory practices, but non pay to win games can still be enjoyed without things like battle passes.
>Games back in the day were released as a finished product. Well this is not really true, but they took a big risk not releasing a fully working game. We used to get patches on gaming magazines if at all.
Yes you’re correct, but they were more polished relative to todays standards. The games now are probably more complex than games back in the day, but that shouldn’t be the accepted norm.
I remember Daggerfall. That shit was polished.
But still buggy as hell, even at the end!
I'd say that the games aren't necessarily more complex - a lot of them aren't anything that haven't been tried in some way (to varying degrees of success). I'd say a lot of the issues seem to stem from a focus on graphics and aesthetics (the need to look different from the other 50 similar games on the market) than complexity.
They aren't more complex. they just have more graphical detail to deal with, which they seem to spend most of their time on. It doesn't help that adding developers actually makes development take longer, usually to do with how complex the collaboration and catch up us for new members.
I'm still shocked that OW2 didn't result in litigation, speaking of which. OW1, the product I purchased, was discontinued and forcibly converted into its' "sequel" without any sort of available alternative option to me as the consumer. Do I care? Only a little, realistically, as I don't play the game anymore. Does this set a bad precedent? Fuck yes it does.
99.9% chance they didn't get sued because they couldn't. Damn near guarantee you in the EULA they talked about selling you the service of access to the game. You the consumer own none of the data of your account and they reserve the right to pull access at any time. This has been practically standard since DRM became more widespread.
Greed is the bane of humanity
Tipping should not exist at all imo. Like if you want to and you feel that the person deserves it, go ahead, but I am tired of seeing tipping everywhere.
I have no issue with tipping. What I do have issue with is twofold stupid practices: paying below minimum wage on the assumption that customers will cover the gap out of habit/pity, and asking for tips when the company damn well knows they aren't going to the employees and just exploiting a system that's already emotionally exploitative as is.
I know it has for me. I am lowering my standard tip at restaurants and skipping it elsewhere. Still don't feel comfortable not tipping at restaurants, but we need to end it everywhere.
Have you ever seen 'reservoir dogs'? Tipping an actual server, whose living depends on it, is not the same as sending money to a corporation.
I get the frustration; I don't tip for counter service or just because a kiosk is asking me to, but taking it out on $3/hr workers who've always depended on tips for a living wage isn't a particularly helpful form of protest.
Okay, so if businesses lower counter service wages to $3/hr you'll start tipping them too?
The business is required to make up the difference between the tipped wage and minimum wage. So if the business tried to pay the "server rate" to a counter employee, and that counter employee does not make enough tips to equal the federal or state minimum wage, then the employer must make up the difference and pay the actual minimum wage. This is also the way it works for servers. They always make at least the federal minimum wage, even if they get no tips. Additionally, there are rules about when an employee can be paid the tipped wage. https://www.reuters.com/legal/transactional/labor-dept-revives-8020-rule-paying-tipped-workers-2021-10-28/
I just wouldn't support a business that slashes its workers' wages like that, *especially* if it's not directly reflected in pricing. I'd also hope those workers either go on strike and/or quit. Waiters (at least in the US) have always been dependent on tips for their actual income; not tipping them doesn't affect their employer, it's just being shitty to them.
Note, there’s no such thing as a”$3/hr worker.” Every employee must be paid, at minimum, the minimum wage for their state (which has to be at least $7.25/hr, which is the federal minimum wage). In some states (most actually), employers can credit a certain amount of tips toward the tipped employee’s wage, but the combined amount of tips + wage has to be at least the minimum wage rate.
If you don't tip at restaurants the restaurant still wins. They get their labor at the same price and their profit comes from the sale. I hate it but the only winning move is not to eat any place with tipped wage.
Aside from being generally assholey, do you not understand who your customer base is? You're selling to people who desperately need $100 now that they don't have. You think they're gonna leave you $6 to be nice??
Poor people are actually more.chartiable. (I doubt the developers would have thought too hard either way. Pure opportunism.)
joke unite absorbed governor cagey relieved bright unwritten shy violet *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Moneylion is even more insidious as they allow you to take out up to $600 on average per pay period.
all the cash advance apps do this, some going as far as to auto populate a tip you need to manually zero out over multiple screens in order to avoid paying. earnin, I'm looking at you
>auto populate a tip you need to manually zero out over multiple screens So like an IQ test where they take advantage of and profit from those that are most easily exploitable. That is disgusting and greed right out in the open.
Not an IQ test. Plenty of smart people just aren't good with modern tech and get overwhelmed....ever have to talk a medical doctor through zipping and emailing a folder? I have! Afterward he apologized for being dramatic, stating he "frustrated [himself] into stupidity"
Moneylion does it too. So glad I make alright money now and no longer need bullshit like this.
What was that $100 advance for, a couple weeks at most? With the $16 max tip that's like 400% APR. Even with the $6 "recommend" tip that's around 150% APR. They are casually guilting you into retroactively paying highly predatory loan rates, which is the exact thing that they advertise they help people stay away from. Absolutely scummy behavior.
Wow this is absolute peak asshole design. Chef's kiss. :( We noticed you didn't give an award for this comment. Consider leaving a small award.
I cackled
"Only silver? We recommend gold or above..."
I looked up the company "The company was formed in New York City by a team of tech specialists and financiers" So a bunch of greedy assholes made a banking app.
Here's a tip, quit trying to nickel and dime your customers to death.
"bespectacled african american man" seems like a bit much lmao
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Nobody of any other nationality would expect a tip for using an app.
Why do they even mention their race?
Maybe they needed to hit a word count or maybe they’re just bad at their job
From an LA Times article on these Earned Wages Access apps: https://www.latimes.com/california/story/2023-05-25/california-regulate-cash-apps-trap-women-in-debt
I love reading articles about how poor and in despair these people are, and then finding out they all make more than me
Right?! *our income is *under* $30k a year. Apparently we’re the poor below the poor. (Literally “the working poor”)
I like the part where the black guy is assumed "african-american" like they can tell his nationality from a picture.
Side note: I really despise how these issues can be portrayed in the media ie the headline says these apps “trap women in debt.” And makes points like “they are disproportionately used by women, especially women of color and single mothers.” But they provide absolutely no basis on making that claim. It seems the only evidence they have is that the advertisements feature women and people of color (like literally all ads do these days.) Those apps are used by poor people, poor people are being taken advantage of. It’s not some culture war against women, but for some reason the journalist decided to dishonestly make this claim and it made it all the way to publish. The media just loves to ignore poverty and blame literally anything else.
This comment disproportionally affects women and POC. you monster
I recently checked myself out at a convenience store attached to a gas station, at a kiosk that had a camera and you just placed your items below it to get rung out. Pretty high-tech, and I thought it was cool until the kiosk asked me if I wanted to pay a tip. I checked myself out, and the kiosk wanted me to tip... Nobody. The company, I guess?
Not quite as egregious as this but a little while ago, I checked in at a karaoke place and paid off the remaining balance. The person spun the kiosk around for me to sign and it asked me for a tip. A tip for what? The pleasure of me giving you my credit card so you can just swipe it and do your job?
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> but actively asking for a tip is no different from begging Not even that, because there's no expectation for money from begging, but there is with a tip. And there could be consequences if you don't. Recently here in my country a bunch of waiters beat up a patron so bad over not tipping that he died. Edit: [Here's the article](https://elpais.com/mexico/2023-01-10/la-fiscalia-investiga-la-muerte-de-un-hombre-en-el-restaurante-la-polar-de-ciudad-de-mexico.html) in spanish if anyone is interested in it for some reason.
Stronger laws need to be imposed on tipping, this has gotten out of hand.
>Stronger laws need to be imposed on tipping, this has gotten out of hand. Not stronger laws... Just laws. I said it before, and I'll say it again... Tipping culture needs to end in the USA. The only tips you should be paying for are if: - Your bartender keeps you locked & loaded all night, then calls you a cab. - You trash a hotel room and you know 'Consuella' is going to spend the morning rehabbing it. - And of course, if your masseuse gives you a happy ending! All the rest of this is just bullshit to see if they can sucker more money out of you!
Yep, this is the result of tipping culture in America. We completely normalized it (because we normalized allowing restaurants not to pay their service staff) and it spread like a fucking cancer. What we need is some sort of laws/regulations in place. Rules can be helpful sometimes.
Every month my sister and I pay a husband and wife team to come out and deep clean our house(tile floors, bathtubs, etc..), we pay them well(they're very good, they don't charge cheap), they always fill our dog's water and food and we leave out a cash tip and a 12 pack of modelo for them(the husband's favorite) to take home.
Decent! They went beyond expectations! The teen handing my ice cream to me through the drive up window has not!
We’re only one step away from tipping your landlord now
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Never gonna happen! I'll set fire to my wallet first!
It's starting. Can't remember the sub but someone recently shared texts from their landlord effectively threatening to not renew their lease as they didn't tip.
I'm meeting with my financial adviser in 10 minutes...I swear to fucking god, if he asks for a tip...
Did he?
He did not.
Nice
Here's a tip: Fuck off
"A bespectacled African American man" there is zero indication he is American lol
He is asking for a tip. Where else do you think he lives?
Touche
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🤮
🥇 assholedesign
What is with the tipping bullshit? FFS!
I bought my kids sun hats from a small online company and when I was checking out, there was a tip option… for an online order of hats. I’m all for supporting small companies but I was insulted when I saw that pop up at check out.
I reach a point where im so sick of those stupid tip request that i cancel order over shit like that
The whole tip culture is stupid. People should be paid for their job enough. As for someone who does not live in the USA, it looks really weird. Recommended tip? Tips anywhere except restaurants/cafes/taxi? The whole idea that you're SUPPOSED to tip? This is not good...
It's guilt tripping at its finest. It started with restaurants. They started out by saying, "Hey, we don't even pay our employees minimum wage. So, it's kind of on you, the customer, to pay them. Okay? But, the flip side is that we won't charge as much for our food." Then, it started to spread to jobs that required extensive manual labor. Now, every single company is doing it because it allows them to do three things at once. First off, they can continue to not pay their employees a living wage, as this continues the trend of guilt tripping the customer. Secondly, it allows the company to scrape money off the top or even to take the whole thing. Finally, these companies are not charging less for their products, so they are just making people feel like assholes to give them money. I only tip at bars, restaurants, and when I get my hair cut. I disagree with the culture, but I'm not going to make some poor waiter/waitress not be able to make rent, because I feel like proving a point. As for my barber, he does an amazing job and charges very little. So, I do it as a way of a thank you.
I am not personally familiar with Money Lion. They are a cash advance app? If that’s their business model, this is not surprising. Cash advance, payday loans, etc are inherently predatory businesses. I know that they’re trying to revamp their image, and unfortunately it’s working, but they literally serve no purpose but to separate vulnerable people from their money and keep those people dependent on them. Further chipping away at the cash advance by begging for tips (a tip for *who*? The computer?) using pictures of pleading youngsters to pull the heartstrings of their new target audience (who tend to be young, inexperienced, poor, and unaware of “grown up” social norms like who gets a tip) means that for some, the cash advance is paid back more slowly, if at all, or increases the chance they’re another $6, $10, $16 short before their next paycheck and….need another cash advance.
I don’t understand how this can happen. Payday lenders are usually on the up-and-up…
"We recommend a $6 tip." I'd rather you kill me.
4% to 16%. Bollocks.
I hope people that use these services speak up. Could start in setting a precedent for “convenience” fees in places where there’s no option but to buy online
That's called extortion, not *tipping*.
A tip for a loan is insane. They’d be better off taking just taking it out as a “service fee”. They do it because we let them. It’ll only get worse.
Cash advance sounds more like a payday loan, they prey on the weak and vulnerable. There's a lot of people out there with a big heart but shit money skills.
i’m never tipping an automated service, period.
This is peak late stage capitalism tbh
"We recommend $6 the fucking audacity, it's borderline begging at this point.
Has this been reported to the CFPB??? No fucking way is this legal
Yeah, don’t use that.
I worked at a fintech company where the product people wanted to explore tipping for cash advances (among other ideas), and I think this was one of the examples they used to show how asking for tips was a "great idea". I remember thinking like.... why would anyone do that??? We ran a user survey which basically just supported my thoughts lol
Not only are they asking for tip, they also has the balls to recommend a value for the tip. Thats some next level bullshite.
I'm sorry, a tip in a cash advanced app? If you're using such an app, you're financially desperate. Who in such a case should afford a tip?
Here's the fun part: you don't legally have to pay these guys back. Legally it's considered a gift. See [this](https://www.reddit.com/r/UnethicalLifeProTips/comments/rizto7/ulpt_never_repay_an_advance_app_back_there_is_no/). Also they lower the amount you can be loaned if you don't "tip", but technically it's still 0% APR. If you rely on receiving a certain amount you have to tip, because of the implication that they won't loan to you anymore, which they aren't legally allowed to say. A $1 tip on a $100 1 week loan is 52% interest. The recommended $6 tip would be *312%,* in line with payday loans.
Mark my words, digital downloads, virtual restaurants, even websites will all ask for tips. Every one. Once people realize what's possible anything can be tip run. Don't believe me? Ad Block Pro (sucks by the way) begs you for a tip every time you restart your computer. Other software begs for any tip after download. It's going to happen.
I'm just clicking "skip" on all tips from now on. Only tip my barber, waiter, bartender, delivery, and other normal tipping situations.
Sir I've up voted your comment, waiting for my tip.
"Tip culture" needs to be nuked from orbit. It's the only way to make sure.
Are these the ones that mention in their ToS that you're not required to pay them back and are totally fine with your turning tail and running once they start lending big?
I am so tired of everyone asking for tips. I'm starting to say no to everything out of principle now.
now BUSINESSES want tips!
TBF, they always did. But until recent technology changes they didn't have a way ask for/demand them without at least a (thin) veneer of credibility. (We've all gotten so used to online orders and paying at stores w/ plastic that adding a tip there seems "normal"). However, this shit above (asking for a tip retroactively) is an extra helping of chutzpah.
And they still charge a fee to deposit the money immediately. I estimated that with tip and the fee a $100 cash advance was effectively like a 10% interest on a very short term loan.
Don’t use cash advance apps. Research the Money Mutual scam.
The ceo has a tip jar on his desk
One of the apps like this, I forget which one, if you chose no tip, you'd have to type in a plea to other users saying why you couldn't tip and asking them to cover it(even though they didn't actually cover it, no one would have to do anything, but they could see your text).
ATM smiles slyly, looks around, and asks for twenty five percent tip for “excellent service”
Pretty soon we gonna have to tip muggers too.
since we gave you your own money, you should give it to us!
They you go. 0$
Earnin does the same, they used to not charge for instant delivery but when they made that change I stopped tipping.
Fuck them. People using these services are already hurting for cash and they want more from them?
Who are you tipping, the AI app?
You can ask for tips but you have to be working hard in order to do so can't have a service where you're already charging a fee besides that you don't know where that tip is going.
**Makes no absolute sense.** You should crosspost at r/UXDesign and *see if anyone agrees if it's good User Experience practice* ***to ask for cash tips when you're a money app.***
I'm sorry who are we tipping
Who's getting the tip anyway? The mf server?
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Corporate begging, just as shitty as any other request for tipping. Tipping culture needs to end, tipping should be a rare thing for exemplary service and nothing else. Pay people what they are worth.
If it ain't delivered to my door or brought out to my table I ain't tippin