Considering that most of the country has a separate wage (under $3/hour) for employees that are expected to be tipped, YES, you absolutely are an asshole if you do not tip.
If you don’t want to tip, don’t go to an establishment where tipping is expected, otherwise you are just a self-centered prick
This is the way
I still have that!
Just adding that financial institutions are very hesitant to adopt new technology, and therefore tend to abide by what tech enthusiasts would consider antiquated best practices.
Source: Software engineer in Fintech