I went to the local bakery/restaurant today and bought 2 cookies at the counter.
I paid with a credit card and when it asked if I wanted to tip, I said no.
Am I going to hell because of this?
It's how I buy everything. I rarely carry cash. You steal my cash I'm out my money. You steal my credit card, I cancel the card and get a new one.
Small purchases like a couple cookies ( about $1.50 to $2.00) then I will probably pay cash because the store probably loses money if I use a card. The absolute vast majority of purchases I use the card. If I don't have the money in the bank then I don't buy the item.
if you buy things with a credit card you almost always get huge amounts of protection that are just not there when paying with cash/debit. Fraud protection, warranty extensions, cash back, etc. It very rarely makes sense as a consumer to pay with a debit card or cash when you can pay with a credit card and then move the money to cover the transaction before accruing any interest.