While the scenario you’ve outlined can- certainly happen, I think some studies have to be carried out to really determine tipping as the final insult to tip irate customers over the line into lost business.
Personally I don’t regard it as such a severe affront. To me, modern payment flows are such a bloated mess of screens that I’m half surprised Apple Stores don’t already have a tipping screens. If it wasn’t tipping, it’d be an appeal to donate to the St. Jude’s Children Hospital or to the Ronald McDonald fund. When supermarkets and fast food joints have all of these extra payment screens, a tipping screen at an electronics retailer doesn’t trigger me any more intensely.
Is this right? No. But it’s the state of payments, and it’s easy enough to tune out. Just another way how every vendor is trying to squeeze every last drop from consumers.