Generally, I don't mind tipping. However, on my last cruise (Summer 2003, Golden Princess in the Med), I was just so annoyed with the way the auto tipping was posted to my shipboard account. There were 3 or 4 withdrawals (eg one each for the head waiter, assistant waiter, steward and I think Matre'd) PER DAY. It really cluttered up my statement and made it very difficult to check out the other items on the bill.
I would much rather they charged my account only once in the following manner:
for x amount of days at $y per day... total $xy.
I really cannot deal with all the little entries everyday and on my next cruise, I think I will ask them to halt the auto tiping for that reason. i will then ask them to add it on in one deduction at the end.