That's not crazy, it sounds like a convenient way for you to justify stiffing all the people these apps help you exploit.
Just look at how it went with Uber. Uber didn't want tipping to be part of the experience, but they kept lowering driver wages until drivers needed tips to survive and started rating down passengers who didn't offer cash tips. When the problem started becoming severe, they could have solved it by just upping driver wages. Instead, they kept fares impossibly low but added tipping into the app.
Instacart wants me to tip 20%, so that's $40 on a $200 grocery order to carry my groceries 3 miles.
I have no idea what's appropriate, but that seems outrageous.