@Jennifer1421
Moving forward from your opt-out, no further donations will be received (by which I also read solicited on your behalf).
... they were going to put some kind of text beside that host's name saying that s/he had opted out of receiving money "for personal reasons".
Something I've seen banded around the various forums is that if you opt-out of the donations, you also are opted out of having cards sent. This is largely by inexperienced hosts thinking it should be that way - but it isn't. Incidentally, I'll add, further to what I've already been saying - this "kindness card" ruse to raise donations has no opt-out. But the donations aspect does. So which is the primary vehicle here? In line with Brians comments - it plainly is a donation drive.
As far as a guest is concerned, the donation is attached to the card, so the first thing a host would know is that they received a card.. Many hosts' knowledge of these donation request cards will be at the time they receive one. The nuances of the various aspects won't even enter their heads or they won't even bother to check. Many won't even know there's a donation aspect which they're part of..
I haven't seen anything about that text insert, but it's a possibility. And if it was a possibility, why was the template containing it withheld when requested - numerous times? There has been plenty of opportunity for transparency here, but none has been provided.
@Helen350 is our best bet here to clarify anything. She was firstly Opted-Out and Did receive a card, so that defeats the misunderstandings about the opt-out button. It would be really useful to know her guests' view of the email and the subsequent link he viewed.
In that "Managing Contributions" excerpt, hosts are supposedly receiving donations directly - why ever would there be any payment remaining anywhere in their payout account? Something there is specifically being stated but not being said for why or for what reason. Even if you follow the specifically placed "processing time" link - no details about donation payments are specifically made. So the answer is - still as clear as mud.