In America, our debit cards are rigged so they work just like credit cards. This gives you some extra protections, delays when they draw from your bank account, (theoretically) gives you the protections of the merchant's agreement, and for many banks you get some sort of cash-back benefit from it.

You can also pay with PIN if you want. That makes it post to your bank account quicker, which is nice if you keep track of your online banking.

And, contrawise, when I went to Australia (coming from Norther California) and was told that I didn't have to tip 18% on all restaurant meals, I was actually _incapable_ of not doing so. So, even though it meant out of pocket money for me, It was better than having to deal with (completely false) belief that the serving person would think I was a total dick for not tipping them.

Getting back on topic (slighty) - I've had about $200 in cash in my pocket for the last couple months - I don't recall the last time I've been somewhere that I didn't use my Credit Card. Makes tracking my expenses via Mint.com a heckuva lot more straightforward.

You don't _have_ to leave a tip. People don't appreciate it, and if you get not-bad service you should tip adequately, but the tip is a mechanism designed to encourage servers to meet your needs as well as possible, and not neglect their patrons. I think they work well, generally. In most places, a tip is not mandatory (I have heard of some establishments banning frequent non-tippers), though you generally leave one anyway to gauge the server's performance. i.e., bad performance gets 5-10%, normal 10-20%, awesome 20%+.