Hey Longman, no worries, everyone has there own opinion and I agree with you on this one.
GhostBills may be impromptu, but the visualness isn't the best. It's not a bad effect by any means, but then I don't think it's that good either.
It looks better with UK currency due to the colours etc.
There are many things i'd perform over this, infact I wouldn't perform this, but that's just my opinion and I know a lot of performers who love it.
Gambits performance of it was pretty good, better than most ive seen, but the actual effect is just not very enjoyable to see or perform.
Anyway, there is nothing wrong with you thinking it looks naff as to each there own.
Infact it's good to hear someone has a different view of effects that generally get praised as it shows it's not perfect and for everyone.