I tip at the gas dock if I can spare the money. To be perfectly honest, I save for my vacations every year. My annual "week on the lake" is a good way of peeling away all the stress!
Although I am very lucky I can afford to do it, I can BARELY afford to do it.
That means that with respect to tipping, I can only do it when I can do it (and I wish that were different).
Also, I have some close friends who are very wealthy. Many of them are more conservative than I with respect to tipping. I've learned that wealthy people get that way because they pay a lot of attention to their money.
Lastly, if I can't tip and the attendant clearly earned it, I will say so.
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