A 1994 movie called “It Could Happen To You” depicted a true story: Instead of giving a waitress a cash tip, a police officer told her he had purchased a lottery ticket and promised to split the proceeds with her if he won. He won $6 million, gave her $3 million and changed her life.

In the gig economy, though, the movie would have to be called “It Couldn’t Happen To You.”

The most popular on-demand platforms for ride-hailing and delivery limit the tip amount customers can give to workers, company representatives confirmed to MarketWatch. They all cited the possibility of fraud, such as extremely generous tips on stolen credit cards that may have been arranged by a delivery worker with the help of an accomplice, according to an example given by DoorDash.

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