Sir: The question is not about the temperament of different nations but about the social structure in those countries. The Scandinavians consider it demeaning to hand money to people for the work they get paid for, especially as the pay structure is better and more even in those countries.
Having lived here over 30 years, I, as a former Finn, still find it both embarrassing and annoying being expected to tip my hairdresser, taxi drivers and waiters, unless they provide an extraordinary service.
Mrs P O WARD
London W6
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