Making stealth addresses "tip jar only" makes them far less interesting. There is no reason that all payments couldn't be done with this kind of address— assuming it was well constructed, and users would be much less private if only a narrow usecase uses them.
I agree. This, or something like it, needs widespread adoption. Before we have widespread adoption we need careful reveiw and massive testing. Before review we need a well written spec and for massive testing we need POC, alpha and beta software.