Sam,
You are wrong. I am telling you what I’ve seen by R Moshe Feinstein and R Belsky.
ZD,
“Then just use the money and skip using a real chicken that will get thrown in the garbage”
But that is not the minhag. The minhag is to schlug on a chiken. Nowhere in the lashon does it say “zeh hatarnagol yeilech letzdakah”
Get an English translation of kapporos and see what it actually says.