I hate this product. My relatives give them as gifts because our culture needs to wrap actual money in some level of indirection in order to make it feel "gift

I hate this product. My relatives give them as gifts because our culture needs to wrap actual money in some level of indirection in order to make it feel "gifty." The cost of that -- $2-6/mo -- is too damn high, and is the basis of the profit of this company. Give cash. Help sink this entire business model.