Seeking clarification about focus

according to the rules “focus is not usually necessary for simple things like sending letters, visiting family, getting new props, etc” - If I want to send money to my family, is it actually necessary to use my focus for that purpose? (or is it just as well if I just roll up to check-in and hand over some ducats?)

You can just submit a BGS saying you do that and then roll up to check-in as described.