It’s useless asking for a Christmas list from friends and family. Dad will unhelpfully ask for socks for the millionth time, while your mother-in-law has the audacity to assume you can afford to buy her an expensive iPad. Sure, you can stumble into CVS for a gift card, but that feels more than a little impersonal. Plus, you need to score points so your parents always give you cash to keep in your wallet just in case. Ah, boomers. Not to brag, b…