Asking for money in lieu of a present is a bit tasteless and grabby in my view.
And since when does not needing anything mean it’s fine to ask for money? There’s nothing I actually technically need when it’s Christmas or my birthday. I don’t tell all my family they should give me cash towards a holiday.
Fair enough, but it is a 'social convention' (etiquette, perhaps!) to turn up at such an event with a gift of some sort unless specifically told otherwise. And even then, I think lots of people would turn up with a bottle or something.
And I tend to like the people I give gifts to. I don't then have unspoken expectations of an appropriate level of perceived gratefulness for which I will judge the person I gave a gift to (which I gave because I like them, remember!).
The only person getting stressed by that is the giver - the receiver has no idea because the giver won't say anything. And clearly in some of these cases, they wouldn't give a shit anyway!
It's bonkers! Why not just assume they appreciated it and move on?
May I ask those who hand-wrote thank you cards and married men, did they write half the cards? I ask because I've never heard men talk about how rude it is to not send thank you cards in a timely fashion, only my MIL women.