Op dh and I have had very lean budgets in years gone by and we use our ££ for our dc.
Now.. No one has spent loads to spoil us 😂 and we don't mind at all... My df would make efforts, but he had lots going agaisnt him, mobility, no tech use... Money! But we loved what he gave and he would always do a wonderful treat food shop and maybe cook... A gift maybe two left foot shoes...
😂😂.
Our in laws would give a nice enough gift but it always depended on the relationship at the time... Well off, put excruciating effort into budgets and bargains... No mobile issues, money issues or tech issues.. All at6 their finger tips...
The way they did things drained the joy for me... Many years dh and I would buy token gifts for everyone else and nothing for each other.
Just giving you another side op.. Re people not giving you expensive gifts back and you think it's rude..
I just wouldn't give in these circs.. We came from such a different place when I was growing up...
I've never experienced this tit for tat giving or the way in laws do Xmas...
I've had so much more warmth and fun and Xmas spirit with my dm or df in rich circs or poor! It's good conversation.. Fun bubbly people... Good lighting... Good music... And if there are gifts.. Great!!
I was very grateful to get anything.. And enjoyed myself so much more than sitting in a quiet, formal room, with a gift given. Profuse thanks to Mil the martyr for giving out gifts.
Sorry op I've indulged myself there 
Personally, I don't think anyone Can go wrong with 20 in a card? No matter what age?