Your mileage may vary in other regions. I've never heard of the interest one (hang on, they're already holding the money - shall they pay me the interest?) and I don't think the cards in Australia have personal information attached - they have a PIN which is printed on the back of the card.
Many in Australia work in multiple stores, too.
Expiry is the real bug bear, and probably the best reason for the cards to be offered. I'm sure the percentage of cards that are never redeemed make it all worthwhile.
But if you want your gift to be at least one step away from cash, then that is the price you pay. ;-)
In Canada gift cards cannot expire, and you don't need to provide any personal information -- you just buy it at the supermarket or where ever. VISA/AMEX gift cards are the only ones with extra fees attached and I avoid those like the plague.
What are the engineering and design challenges in creating successful IoT devices? These devices are usually small, resource-constrained electronics designed to sense, collect, send, and/or interpret data. Some of the devices need to be smart enough to act upon data in real time, 24/7. Are the design challenges the same as with embedded systems, but with a little developer- and IT-skills added in? What do engineers need to know? Rick Merritt talks with two experts about the tools and best options for designing IoT devices in 2016. Specifically the guests will discuss sensors, security, and lessons from IoT deployments.