[bravetraveler]

The phrase, penny wise and pound foolish comes to mind, though probably doesn't strictly apply. I don't spend my life reading. I read then live.

I don't see this hyper-optimization as a good thing. Externalities and so on. Of course dragons hoard coins. They look nice, bring good things, and who is going to stop them? "Game theory" is broadly applicable

All this to say: if tipping is a life altering decision for you, I have news. You're closer to the townsperson than the dragon, outlook is grim. Now the cycle may continue!