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Unless the Orchestra operates a different policy from the rest of the MSC fleet, I have never had a 15%gratuity for bar service added - there has always been no charge. As for the automatic daily rate, i agree you can adjust this any way you want (up or down or remove it completely) through the Accounts desk any time during the cruise. they just get you to sign a form to say what you want the gratuity to be and your account is adjusted accordingl.
Per person, per day gratuities for adults are: 12 euros for Caribbean cruises and ocean voyages, and 6 euros for Mediterranean and Northern European sailings.
Per person, per day gratuities for children are 50 percent less. These are automatically added to your onboard account, but you can adjust them at Reception at any point in the cruise. For bar service, there is an automatic 15 percent gratuity.
I am wondering just what formula you use to assess "this allowed us to tip only the people we thought deserved it. " Or is it something that you would rather keep to yourselves?.......Nei.