Oh my goodness. If you are that broke do not take a cruise vacation. You obviously can't afford to cruise, so go camping or take another cheaper vacation until you can afford to cruise. Why in the world should your waiter or cabin steward suffer because you chose to take a vacation way above your means? Since when did everyone have to cruise anyway? There is no dilemma here, if you cruise, you tip. Period. I can't believe this post hasn't caught fire yet.