I found this to be a royal pain this year
I used to buy a few for my Goddaughter for special occassions every year
now she has to have an account open in her name and i have to send a virtual gift to it and she would have to accept it
well poo poo on that
i just give cash now
i’ve been giving 1 oz silver coins to my nephew since he was 2. he has quite a few now. better then cash
and of course, there are always gold coins if you wish to gift those.
both would be better then cash. less likely to be spent and much more likely to keep value