system
A chat on subreddit /r/NoStupidQuestions
human
Tip at your own discretion. You're right, everyone is struggling with money right now so you are not obligated to tip just because you utilize those services. 


If the driver is rude to you report them and you'll never have to deal with them again. But do not be bullied into tipping.
gpt
I mean sure, OP doesn’t legally have to tip. But the Uber drivers don’t have to pick them up either