I am like you bro. As long as they don't ghost and aren't disrepectful, I am fine with the 20%. But I've met some really dope staff at restaurants and they've made special moments for me at family occasions, dates, birthday dinners, etc. so I always make sure to lookout.
So here is a curve ball...what if you don't have cash or small bills?!?
Wait...so you get FINED if you pump your OWN gas? This is like the opposite of Curb Your Enthusiasm episode this past week where Larry got shamed for letting the chauffer carry his bags

If I was new to the area, I would want answers.