WHERE THE FUCK IS YOUR XMAS SPIRIT!!??

OK, so this is Xmas. I'm all with giving and sacrificing a lil for family and friends, but DAMN! Its bad enough we get screwed each Xmas by retailers and a constant barrage of advertising on the latest and most unique gift ideas, but  to get charged 10% for spending our own money too!!? UH UH!!
 Here's the biggest scam of them all: Did your know that those Visa gift cards charge you in upwards of 10% for buying the card and activating it? You knew that didn't you? I for one, am guilty of doing such a thing. That is, until after the 5th one. I refuse to pay someone for me to use my own money! The banks and credit cards already F us without dinner and a movie, now this!? Lets just say you paid for those gift cards with your credit card, you may be letting the institutions F you twice. Think about it....
Here's my solution: Instead of paying that dumb ass fee-buy a goddamn greeting card! It costs about half of that pesky fee and makes it more personal for the people who are lucky enough to get a gift from you during these hard times. Get cash from your own bank ATM (no charge) and stuff the greeting cards, write something nice or funny that reflects your feelings towards that person and watch them smile.
I have at least 20 people to buy gift cards for so it would have cost me anywhere from $75 - $100. Does that seem reasonable? That's a couple of gifts in itself.
I don't mind giving, but to those who are at least relevant in my life or for a purpose other than letting someone capitalize on my laziness and lack of imagination. I have Cable TV already, thank you very much!
MERRY CHRISTMAS EVERYONE AND HAVE A SAFE HOLIDAY, GOD BLESS!!!