So, your solution is that we, as divers, should purchase travel packages that includes diving, locks us in with one operator for not only one, but many services.I perfectly understand how the tipping culture works. Simply I do not like it...
The monthly wage should come from the tour operator.
When I was working as a DM I was an employee of a tour operator called Club Vacanze.
Customers did purchase holiday packages advertised as "all included": air travel, transfer to the resort, lodging, meals, wine and water, snimation, all kind of sports, included scuba diving (max 2 dives per day).
It was a great commercial success.
As customers did not pay for each dive, there was no pressure to have them "diving more". The pressure was to keep them happy. And the first step for having happy customers is to have an happy staff.
So we had a great working environment, well paid and with rewards for good employees.
Customers had to fill up an evaluation questionnaire at end of their vacation, and good members of staff, reveiving appreciation, were rewarded by the tour operator.
Rewards were in some case a day free of work ("you are a customer today"), in some others diving equipment (the tour operator had an agreement with Cressi, so we had a lot of give-away material for customers, which was often given also to the staff as a reward for good service).
Customers had that nice experience of travelling without money in their pockets, as in these resorts everything was already included. No surprises, no extra cost...
How much will that cost? What if I get lousy service? Your solution will cost infinitely more, limit people's ability to choose and price some divers out of the market.
Also, you keep saying there's "no extra cost." That's simply not true. You're system is just taking the money on the front end and, as you describe it, would cost quite a bit more than a lousy $20 tip.
Your model is limited and would make SCUBA, an already expensive hobby, cost prohibitive for many.