Yes, the expense is always an issue here, too, especially these days. But, we don't send cards normally, so I think this would be a great way to start. We used to, then it got to be too much trouble and expense so close to the holidays, so I quit...but now that I"m ORGANIZED! I can budget for the stamps. I already have the cards!
I do hand out cards, usually with a gift but sometimes alone. I sometimes use a Christmas card like you would a birthday card, tucked into the ribbon of the gift. It's fun and unexpected, and everyone seems to appreciate it!