Eh - I still don’t buy the monthly thing as opposed to a man giving a wife full freedom to do karchi. (please not that I do think that a monthly thing is better than nothing tho). I’ll use your own sales rack example. What if a woman happens to come across a lot of wonderful things she wants to buy and they are at a wonderful reduced price??? But buying all of those things at once will put her over the “monthly budget/gift/money/whatever”??? Then what. 
The wives that I know that do go overboard… are the ones that can afford to go overboard. We as outsiders just think it is ridiculous and judge. But I doubt there is a woman out there who is just going to bankrupt her husband based on her karchi. As I said..most women have enough common sense to budget and save without being told to do it. It’s the well being of their home as well isn’t it?
And nothing is wrong with a splurge once in a while either… for the husband or the wife. For the husband it might be that new 60’’ flat screen plasma and for the wife it might be a new designer handbag .