This is necessary. Your parents are too rigid. Not that they are bad. Individuals have their own way of doing things. But now, just because you don't invite others doesn't mean others don't invite you. In this way, it is not a kind return, but a return for absence. Besides, the banquet is a folk custom and a major event in life, so let's be lively. As for the red envelope, you can take it to the bank for a loan and then post some interest, which can solve the urgent need. It seems that your wife is extroverted, so you should always keep friendship. If you are a man, be generous. It is your responsibility to make your wife happy. If you do the big things well, she will forgive you many small mistakes and your family will be stable. For reference only, good luck.