And how would you know that until you tried it?

That’s your culture. Imagine having to change it to a tipping culture.  Hard to do, huh?

Which actually doesn’t make sense at all. You want your best staff on the floor at the your busiest times. That’s actually one problem tipping does solve.

Ditto. I got a 0% APR for 60 months with $0 down. I mean.....who wouldn’t take that? I’ve literally made $4,000 in the stock market in the past year out of the $27,000 that would have instead gone to the car.

So to be fair there can be entirely valid reasons to do this. I could have paid for my new car in cash, but with interest rates this low and the market generally showing remarkable returns, I put down 20% and took out a 72month loan for the rest at a bit over 2% and threw the cash into an S&P500 index fund. Even with…