Any list of relative costs would be no more than a wild guess. As soon as things settle down, we'll give some estimates. In major centres, you can always find a bank that will advance cash on Visa or MasterCard.
Credit card advances through ATMs are possible, but limited.
Tipping is not a normal practice in Indonesia but is often expected for special service. Someone who carries your bag or guides you around a tourist attraction will expect a tip. Jakarta taxi drivers expect you to round the fare up to the next 500 rp. Hotel porters expect a few hundred rupiah per bag. Many everyday purchases normally require bargaining but in the current economic turmoil you'd do well to look to your conscience before applying this too stringently.