Are we counting like Ares and Limewire? I just wanted to listen to music and could never pay it. That turned into software I wanted but couldn’t buy. Then I stopped for a while and started up again years ago not wanting to pay for streaming
I’ve never tipped hotel workers/housekeeping unless we’re at an all inclusive resort, which I feel is standard to tip there. Maybe I’m wrong though reading comments here.
Maybe I’m missing something and this isn’t what you’re asking, but I’ve always used a credit card with auto rental insurance included (Chase Sapphire to be exact). From everything I’ve read about that, you get rental insurance via credit card if you decline the rental company’s. So if you have a card that provides that, I would just go that route.