Anyone that can afford to cruise on Holland America or any other cruise line can afford $16 a day per person to take care of all the hard working people involved in the tip pool. There are many reasons given as to why people remove tips and not a single one is valid. Even if you have a crew member treat you horribly, which in my double digit cruises has never happened there is no reason to remove tips. Report the person to guest services and mention them in the survey at the end of the cruise. If you don't like the way the cruise lines go about paying the employees don't cruise. If you can't afford to tip, don't cruise. If you for some reason don't like the hard working people on cruise ships. Don't cruise. It's very simple.