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In China, tipping is considered insulting because you are implying exactly that: that they are incapable of running their business without your donation.
This is actually a very good comparison because restaurants use this argument all the time, except for wages:
“I can’t make money running my restaurant if I have to pay a living wage to my servers, so you should pay them with tips. How else can we stay open?”
These business that can’t operate profitably like any other business should fail.
In China, tipping is considered insulting because you are implying exactly that: that they are incapable of running their business without your donation.