lol. good point.
and I suppose actually, that's part where I was coming from. when you're thinking in terms of opportunity cost, a $100 gift isn't $100 - anticipating a market boom next year, that $100 starts looking like $1000, $10,000, and even more over time. and for something that's really not needed because some commercialized "holiday" says you're "supposed to..." well... 'nuff said. ha ha.
and people who fail to realize the opportunity cost of their choice will find it extremely hard to get "ahead." Christmas is a massive scam that has been perpetuated for such a long time. Okay, I guess I better hold back, I'm sounding really like a scrooge now.....