That's where the Guv's new plan could prevent any more tax hikes. He wants to let us citizens decide and, I'm pretty sure, those who don't want/can't afford new taxes will win.
Of course, it doesn't matter how much money you make if you are hell-bent on spending every last penny without paying yourself first. Even more detrimental is spending money you don't truly have in the bank. I can't tell you how many stories we've heard about people getting 'rich people' jobs, getting an inheritance, or even winning the freaking lottery who end up practically broke because of poor personal money management.
It seems like the customer is responsible for a lot these days and I come to find myself questioning situations where it might be appropriate to tip. Obviously when it is a type of hospitality service you should tip, but what about when you get yourself some self-serve ice cream?