Published 12:00 am Tuesday, December 3, 2024 By Joe Mavretic Two months ago, I went to a bakery for muffins. They were prepackaged and sitting in a rack beside the checkout register. I picked out two packages and put them on the counter. The clerk scanned them and turned a computer screen to me that showed the total price and indicated several tip options. One of them was no tip. I selected that one, inserted my credit card, signed with my finger, got a receipt with my bag of muffins and left.