A man in his sixties leaves 15 percent on a restaurant check, calculates it on the pre-tax total, and considers the matter closed. He has done it this way since 1981. Call him cheap and he’d be genuinely offended, because by the rules he was taught, he isn’t. His daughter leaves 20 without thinking about it. His son-in-law leaves 22 because the server mentioned the kitchen was down two people. And the 23-year-old at the next table tapped “no tip…