I don't see this as "cruel and unusual punishment", but in cases like Tinker's it should be waived or he should be given plenty of time to pay.

Calling financial hardship cruel and unusual punishment cheapens the term IMHO.

To do this properly, the surcharge should be imposed using a sliding scale based on income and assets.  In fact, this should apply to all fines.  In Sweden and Finland, traffic fines are imposed according to income, which is a far better deterrent than set fines.