That's the problem.
Heres two situations:
"Happy birthday my darling wife, here's a necklace I bought for you"
"Thank you my darling husband! It means a lot to me, but I dont really wear necklaces, maybe I will wear it next time we go out, I dont want to damage it. Thank you for putting so much thought into it, it means a lot"
"Here's some money for your birthday darling.....spend it, i don't care what you spend it on, I couldn't be bothered to give you a present and to be honest I want to sit on my arse and watch television so ...shoo go and spend it."
Yeahhh if I gave my wife or husband money for their birthday they'd probably be disappointed with me.