Kapporos is an unnecessary minhag altogether – even on money. It is certainly not required.
I myself haven’t done kapporos for 4-5 years. Why? Because I don’t like the idea of ‘transferring my sins’.
I believe that if I did something wrong, then I should suffer for that. I do not need any ‘atonement’. Not a chicken, but not money either. If I do something wrong, then I will bear the consequences.
Therefore, kapporos is, to me, simply of no value whatsoever and I don’t do it.