My wife thinks I'm pretty stingy on non-restaurant tipping. I won't tip for pickup, online orders, the type of thing mentioned here. But that doesn't mean a server at a restaurant suddenly did a worse job or deserves a 40-50% pay cut. My default is 20% and I can count on one hand the number of times in the last year or so I've gone under that, and many times have gone over. 10% is borderline "something happened where I need to talk to a manager" territory.
What actually needs to happen is that businesses need to start paying their employees a realistic wage and building that into the prices they charge. There are a couple of restaurants in town that do this and don't allow tipping. I preferentially eat at those.
But don't get me wrong here -- I'm talking about default tipping. If I actually get above-average service, even in settings outside of restaurants, I'll tip more.
Also, I never tip on the card. Always cash.
I believe that's the problem being discussed :)