personally for end rewards i dont have a problem with this idea. Because in an RP sense you can say "Mr quest giver i dont really like any of the options you are giving me can i just get cash" and if hes resonable and has case he can say yes.
Now out of chests no because you cant go to a chest and say "mr chest, I dont like anything in here that you have for me can i have cash" Theres no way the chest can do anything because its an inannimate object that has no way of controlling whats within it.
So if thats being a hypocrite then yes im a hypocrite because Gods forbid me wanting some type of Role play realism to the game.