Despite the risks involved and the likelihood that many will go unused, gift cards remain incredibly popular. Think of each gift card you find on your desk, in your wallet or in your kitchen “junk” drawer as a ghost of a particular Christmas past. This one’s from my co-worker who rushed into the holiday party late carrying a plastic Walgreens bag! Oh, this one’s from Uncle Fred, who joked that I shouldn’t spend it all in the same place! Such ghosts hover in the recesses of more homes and