Dear Abby: Opinions differ on multi-birthday gift exchange

A reader writes to Dear Abby about a conflict with friends who insist on a gift exchange for a joint birthday dinner despite the reader's financial constraints.
DEAR ABBY: I have a group of friends who get together once a month, usually for a casual dinner. Next month's gathering will be to celebrate three birthdays, one of which is mine. While planning this gathering (via text), I asked if we could skip exchanging presents and just enjoy our time together. The response from my friends was "No! We're doing presents." I know their intention is good; these are very generous friends. But I'm working only part time and have to pay for my health insurance…
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