If you're the type of person who enjoys eating out at restaurants, you may lose your appetite after reading about a new "financial etiquette¹" survey from TD Ameritrade.

如果你喜欢下馆子，读过德美利证券公司新的“金融行为规范”调查之后你可能就没食欲了。

With help from the Harris Poll, the online broker² asked 1,011 U.S. adults which types of workers they're most likely to tip, and the results are a bit unsettling. Just 82% of respondents said they typically leave a tip for waitstaff at restaurants. That means 18% of diners not only think it's okay to stiff those hardworking tipped-wage workers, but they're comfortable enough in their belief to say so in a survey.

在哈里斯民意调查的帮助下，这家网上证券公司询问了1,011个美国成年人最有可能给哪类人小费，结果令人郁闷。只有82%的受访者说通常会给饭店服务员小费，也就是说18%的就餐者不仅认为不给那些努力工作赚小费的服务人员小费是应当的，而且还可以理直气壮地在调查中说出自己的想法。

The numbers are even more stark³ when broken down by age group: 91% of baby boomers said they tip restaurant staff, while only 81% of Gen Xers and 72% of millennials said the same.

按年龄划分的话现实更残酷：91%的婴儿潮一代（第二次世界大战后生育高峰期出生的人）说会给餐厅服务员小费，只有81%的失落的一代（20世纪60年代末到70年代中期出生的人）和72%的千禧一代说会那样做。

Just so there's no confusion, those numbers should be 100%, 100%, and 100%. Restaurant workers, by and large, rely on tips as part of their wages. While there are honest debates to be had about the fairness of tipping as a whole, as long as the tipping system is in place, fair-minded patrons can't just opt⁴ out of it. Not tipping a waiter or waitress doesn't upend the system—it only penalizes⁵ workers who have no control over it.

我们先把话说清楚，所有的这些比例都应该是100%。总体来说小费是饭店服务员收入的一部分。虽然小费总体上的公平性的确存在争议，但只要小费制度合理，公正的顾客就不能置之不理。不给服务员小费并不违反规则，但对无法控制此事的工人来说却是不公平的。

The survey showed that other types of workers are getting stiffed even more frequently. Only 61% of respondents said they typically leave a tip for bartenders, for example. (How these people ever get a second drink at the same bar is beyond me.) Meanwhile, just 45% said they tip taxi drivers and 35% said they tip hotel workers.

调查显示其他工种收不到小费的情况更多，比如只有61%的受访者说通常给酒保小费（我想不通他们是怎样在同一家酒吧再次喝到酒的）。同时，只有45%的人说会给出租车司机小费，35%的人说会给酒店服务员小费。

As for those tip jars you often see strategically placed at fast-food joints⁶ and coffee shops? Just 26% of respondents said they toss in their cash.

你经常会在快餐店和咖啡店看到小费罐吧？只有26%的受访者说向里面投过钱。