I think the difference is that a card is more of a gesture than a discussion like in texts. They’re a way to show that you’ve gone out of your way to acknowledge something card-worthy. Texts are a discussion between both people.

I do think there’s more genuine expression from selecting a card that seems right than running with what an AI suggests, especially since cards are (hopefully) written by an actual person considering the occasion. That and you can always add a personal note to a store bought card as well.

Overall though, it kind of feels like an apples to oranges comparison.