Why Americans do not pay off credit card debts

[Sigurd]

How do you tip service personnel? Or do they just add a certain percentage automatically?

I'm also quite sure that Monaco doesn't have huge problems with poor people. If only every country could be more like Monaco, then we'd all be rich!

What a question? and from an IT trained person.
The waiter comes to the table with a portable terminal. The sum for the meal is displayed. You press Ok and you have the option to change the total amount. You round it up to about 10 -15% more than the stated amount and it is credited the waiter as tips.