I worked in a shop in Waikiki where were were forbidden to take gratuities, although it seemed to me that store clerks wouldn't ever run into that.
Then one night I packed up a fragile statue for someone to ship to the mainland and she insisted on tipping me. I explained the policy and thanked her but declined. So she shoved the money into my hand and scurried off. So I scurried off after her to hand the money back and explain how much trouble I'd get into if she persisted.
I almost felt worse for her than for me as she was so crest-fallen!