I'm not going to tip at a restaurant because of my debt. Is that going to damper our relationship if I tell you?
Are you serious about this? And how did you get in debt?
I spent too much time with friends playing video games.
While it is awful that you can't have fun when you are in debt, going out to eat is not a necessity and it is not the server's fault that you are in debt. Tipping is expected and to not tip is wrong and frown upon. People will think that you are cheap.
I don't care what other people think of me.
Tipping is the norm at places where you eat and get served. Unless the service was bad, you still need to come up with some change to tip people. It would be nice if you just never got into debt in the first place.