reading your lengthy thesis on tipping,,TIPPING is NOT a given,TIPPING-is a personal thing ,it is not and never should be a part of the cruise contract, and no it should not be an item just added to your on board cruise account..and yes there are deadbeats who try to skirt the issue. My self and my wife hand it in an envelope to the person we deal with, as for the above mentioned reason yes we are sceptical as to allocation via cruise contract or onboard daily account