This is a very divisive topic, and many people, especially those in older generations, find them tacky. I personally think they're pointless. They all charge a fee for the pleasure of being an unnecessary middle man. At least in my area, 99% of people give the couple cash or a check in a card as a wedding gift, even if they have a registry. We had a wedding registry, and only 1 person out of our guest list brought a physical gift. Every other person gave us cash or a check (and 2 people actually Venmoed us lol). I've never brought a physical gift to a wedding, always opting to put a check inside a card. The registries are usually used for the shower. If you want cash, I would just skip the registry altogether or create a small one of physical gifts. People will get the hint and there won't be any fees.
We are using The Knot's cash fund registry. I've heard that people don't really mind paying for the fees, only *if* they were going to gift us a physical gift to start with, since a gift would have taxes and it would be the same thing. And I think with covid, with a lot of the guests not being able to make it to the wedding to give us a card or cash gift in real life, they liked that they could send us a little something.
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You know what Jenny, you are absolutely right!!! The small fee that they will pay is the same or maybe even less they would pay with taxes. Honestly, I would gladly give someone cash because it takes the stress of looking for a gift away.