Tipping has been standard practice in the United States for over a century.

But why don't we just pay it all in one bill? Let's start at the beginning.

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Advertisers have gotten a bad rap for ignoring people's best interests, and banks have been among the worst.

They spend huge sums of money on ads touting what are often enough raw deals. So when I heard the New York Metropolitan Transportation Authority (MTA) was taking down hundreds of ads by a bank, I was instinctively excited.

But then I saw the ad:

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When her dad had a heart attack, she watched her brave mom put on a fancy dress and get to work.

A minimum-wage job used to be capable of supporting a small family. But over the course of one senator's life, that changed.

One of the reasons Sen. Elizabeth Warren supports raising the minimum wage is that her family survived on it when it was much higher, in today's dollars, than it is today. Her mom suddenly had to go make a living, and minimum wage was the starting point. She talked about that as a guest on "The Late Show with David Letterman." It's a great story.


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