tipping
With the economy still battering consumers like we're all overweight, drunk and punch-drunk ex-boxers caught in a bar fight, folks are inclined to pull back on tipping for services or products.
WHAT'S HAPPENING
Most of us want to be physically fit, but very few of us are. The same holds true with financial security. As my father (and many others) used to say, "A lot of people want to go to heaven but no one wants to die to get there."