"most of your money is going on these kind of free gifts, which most people would throw away"
These freebies cost a very very small percentage of the overheads of any charity - there was a feature about this in the paper the other day, and the cost, in the volume they can buy in at charity rates, is minimal. They send the things out on the principle that many people feel that they'd find the things useful, but are struck with guilt that they need to pay for them - so they make a donation. Personally, I don't - if I didn't ask for the things, I keep them, use them, and carry on donating only to the charities of my choice. They're unsolicited goods, after all - no different from the Christmas cards painted with the mouth that we used to get in past years.
Your marketing director (or head of fundraising, or whatever) probably did think about it, and found that there is sufficient response to these campaigns to carry on doing it.
The business about suggesting how much you give is along the same lines - a hint suggests to people they should tick a box - of course you don't have to, you can donate 50p (if you wanted to give anything).
Having worked for a charity, I know how much competition there is for the charitable pound, and any publicity is good publicity - after all, we're talking about the Red Cross, which is their intention.