For FS I'd expect to pay 1.4 personally(and then up, depending on quality of girl and experience), and it feels like its been that way for 10 years. Maybe I'm getting duped, but it seems pretty consistent everywhere I go in the metro NYC area (not in the city or flushing - thats diff). But its all between you and the girl and what I decide to tip is up to me. Its a marketplace, and we're bartering, right?
As to the no money in the wallet routine, even if it was true in your case, i've heard plenty of stories from girls who got told this by a guy, she held firm, and he had to walk out to get the rest of his money from the car, where he stashed it before coming in. So I'm betting she was thinking she really wasnt tapping you out as much as making sure you brought more in the door next time and left less in the car. Not saying she didnt actually drain you dry, just trying to explain why she might have been so hard assed about it.