Uber should actually penalize the driver or remove her from Uber entirely.
She rated you badly for not giving her a paper money tip - in other words, a tip outside of the uber ecosystem. That should be grounds for immediate removal.
Maybe I'm cheap but who tips taxis anyway? It is a service transaction! I only tip taxi drivers if they do something above and beyond. If they just do their job, they get the Uber fee. If they do something really cool, then they get a tip. But just driving me from A to B will get you a good rating but no tip, sorry.