As an American, DH and I draw the line at Starbucks, fast food and the like. I have to admit that I was very surprised when it began showing up when paying with a debit or credit card. AND... most consumers are unaware that adding a gratuity in this way, adds to what the business will pay in these card fees, so it costs the business to do this. The business, not the bank, has to pay for YOUR airline miles, cash back, and other "rewards".