Raking your fingernails down the shell does more damage to your digits than the device itself, and no amount of bending or twisting will cause it to yield.
But the research also shows that tip size is affected by the size of the dining party (larger groups tip more), the method of payment (credit cards yield higher percentages than checks or cash), and by the amount of alcohol consumed (not surprisingly).
In that context, speculation swirled that Apple might offer a historically high amount of initial debt to fund the program and establish a viable yield curve for an ongoing financing program.