I tip at restaurants, pubs, hairdressers, taxis (and likely more that aren’t front of mind) where I live in the UK. It’s as quick as saying “make it <x>” to round it up, and done.

Cash in restaurants pisses me off because it limits my consumption to what I can afford with the cash I’m carrying. What if I fancy the most expensive main, or a really nice whisky at the end of the meal?