I think it is normal for parents to give their children birthday presents, even when the children are adults. As far as I'm concerned, it is not important whether the gift is an actual gift, money, or a gift card.

Regarding your daughter's inability to know how to save:

I don't understand the connection between giving her a gift (for X-mas or B'day) and teaching her the value of saving. A gift is a gift. Just that.

Children are taught how to learn to value money by having them earn money by working around the house, i.e. doing chores, or by actually having a real job.

I suspect that if she hasn't learned to save money by age 19 (your fault or not), she will have to learn the lesson the hard way - - - the school of hard knocks.

__________________
Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".