COVs? Oh ... some friends will have problems with $200. 

Ok that fine if I do not many local friends to give me $200 ang pows I will still invite them anyway if they are my true friends.
Equally I do have few oversea friends and if they fly into Singapore to attend my wedding dinners they will give at least $1000.
I can afford $20K no problem at all as I already paid $65K COV for my new home. If my local friends cannot afford to give $200 ang pows, also no problem I can treat them![]()