I also strongly suspect my mother would have had the same fear from her mother. It also would have been disrespectful and cruel.
A young woman at 14 got a singing contract and earned enough to pay off her mother’s mortgage for a Christmas gift. They must have a super casual relationship the daughter said “Merry Christmas B (word)“ to her mother.
That I would be terrorified to do say this even with mortgage payment in hand.
Although that would have been circa 1980. Maybe society changed my hunch says no.
At 14 would you have been too scared to say this to your mom? It is also so disrespecful and cruel to say. I suppose this mother child relationship does not mind that.