There is nothing worse than when your bank balance and your shopping list are incompatible. Indeed liking the finer things in life but not having the means to afford them legally can be a downer, especially if you love to indulge in retail therapy.
No one really wants one; some women avoid them and a few are allergic to them as it takes cash (or credit) to care. Generosity, just like gratitude is a must. Some people never truly understand that there can be satisfaction derived from giving just as much as from receiving.