Sure, don't look a gift horse in the mouth, but you can't deny that it is kind of a crap way to show you care. I mean try it on your wife/husband/gf/bf. Hey honey, I know it's our anniversary, I got you a gift card to walmart because I know you do the grocery shopping there.
You may not like that people are kind of rejecting the 500CC. But you have to see it through our eyes and stop calling people names. It's rather annoying. Especially when we're talking about subjective crap that is different for everyone.
Try the following on your gf/bf/wife/husband then:
Hey honey, I know you were saving up for that expecive jewelry/tv/screen/car, but instead of helping you with that by adding on to the funds you already got, I bought you this nice pullover/dog(that you will take for a walk each day from now on!).
I surely do prefer the money.
Bioware had absolutely no chance to make a gift that the majority of players would be happy with. So giving us money to spend in any way we want, they at least did not give us a pullover or socks or a new tie.