Damn, I'm a day late to a tipping thread 🥲
Exactly! For tips to be included in the fare, the price would have to be increased by more than the $101.50, because the cruise line would have to count that amount as revenue and pay tax. To your point, every line would have to agree to do it, as the outliers would have a hard time raising the price if others kept it low (with separate grats). Think of the airline industry. Spirit started charging for bags. When people searched for an airfare, they saw Sprit's much lower fare, and booked it. Only to find out later that they had to pay for a bag. Eventually, all the other airlines (sans Southwest) had to start charging for bags to stay competitive. You won't see an airline switch back to free bags, because they would have to raise the ticket price to make up for the lost revenue.