9 times out of 10 I do give money as a wedding gift.
I have no problem with lists, either.
My cousin got married last year. She had been living at home with her parents after leaving university, though, as her fiance was deployed in Afghanistan and everyone knew she'd be moving to Italy after the wedding. So she had no list, but didn't say anything one way or another.
I just gave her £50 and that was that.
No need for a tacky poem. It's insulting because it presumes your guests are tasteless morons who will always give you something you don't want.
'I thought the point of giving a gift was to benefit the person you give to. The fact is, some people need money more than they need a bloody toaster or ornamental vase.'
I thought the point of throwing a celebration party, any celebration party, was to invite people to celebrate, not to demand gifts of any sorts or dictate to others what gift you want and make it clear no gift is acceptable but money.
If you need money so badly that you have to beg, demand or guilt it from guests, you really shouldn't be having a wedding. Just go to the Registry Office.
And it's pretty sad to assume all you're going to get is a 'bloody toaster or ornamental vase.'
Since I know such grabby gits are going to charity shop any gift they get other than cold hard cash, I don't waste my time or money and decline such invites. If it's one of those where you have to go, then well, they're going to charity shop my gift anyhow, so I go ahead and give the cash straight to the charity in their name.