It is never a factor if you have deep pocket!!! There is NO such think as over tip if someone is willing to pay!!Yes you will get a poor exchange rate at the airport but it will still be better than the rate when buying IDR from a US bank in America. For this first exchange, only convert $20-$50, enough to pay for the taxi to your hotel and maybe a few incidentals at a mini mart after your long journey. Alternatively, if you arrive during the day, ask your driver to stop at an authorized money exchange on the drive to the hotel. The difference between a "good" and "bad" local exchange is only a dollar or two (or less) on a $100 conversion... it's only really a factor when changing $500 or $1000.
There are enough customers to keep the business viable. Do you think banks and money exchangers are willing to forfeit profit and all their staffs receive no salary(or reduced) at all?
Ronaldo celebrated his new mega-rich contract by leaving a bonkers tip while on holiday.
You are just plain jealous!!! LOL.