[Yzupnick]

The truth is I'm not sure how the financial markets work in Vietnam, but in most Western Countries your dollar probably goes further when it comes to helping people out sitting in the bank than over-tipping and being kind to people.

Granted it is probably good for you psychologically to form these relationships of mutual kindness, and to see yourself putting a smile on someones face on a daily basis. But in terms of "Giving back" and "spreading the money around", keeping your money in the bank is probably a better move.

Again this is based on my limited understanding of the financial system in western countries and of economies. It is very likely that my understanding of economics is flawed and/or my comparison of Vietnam to the US is a bad comparison. If so, ignore everything I said.

[nl]

I assume you are talking about the credit creation cycle (if not, then please explain your logic?)

I think this depends on your definition of "goes further"

While credit creation may create more value (measured in dollars) than tipping/gifts/charity, the opposite may be true if you measure in terms of numbers of people helped. Many people who are helped by tipping are service workers who don't have easy access to credit.

[Yzupnick]

Yes that is what I'm talking about. While they are not helped directly by getting loans, they are helped by overall growth in the economy.