Compared to what other group of divers? If you compare cruise ship divers in general to people that dive every weekend or perhaps several times a week, then yes, they probably are not as proficient or capable, nor would you expect them to be. However, from what I have seen, cruise divers are no more, or less, capable than the majority of "vacation divers" that I have seen on cruises, land based vacation resorts or just on a weekend trip. These infrequent or low experienced divers all have to deal with the same issues related to the amount and frequency of their dives, and should not be compared to the overwhelming number of super divers on this website. I think many super divers sometimes forget that they were once the un-proficient, incompetent, and needy divers that they love to criticize. As far as tipping is concerned, I think the problem is that most vacation divers do not read ScubaBoard, or any other dive forums, and are not schooled in dive tipping etiquette, and the problem is worse if the diver comes from non-tipping societies. Lead by example.