Golden anklets: It is a matter of opinion, and what Sastras say just I am quoting it. If one wants to take shelter under the guise of fashion & convennience, it is upto to him whether to give priority to these things or to the saying of our elders.
Regarding the practice in Kerala I quite agree that this is as per the regional practice otherwise called desaachaaram. Over the centuries some of the customs have evolved and changed depending upon the region. Thus in Kerala women do not tie their hair but keep the tress flowing openly. Again the practice of ladies coveing the front with a dhavani (half sari) is not followed there. These practices are exlusive to the region and should not be found fault with, where the common law is to be the guide
Coming back to the subject gold, even in our Vedathere is a special mention and placeof pride for it. Gold is not just ornamental metal alone but one should view it as something which deserves worshipping. That is why we don't even keep the gold on the bare floor or on the places where purity is in question. Of all the Daanams, Swarna-daanam is considered more beneficial and fit for prayaschitham. Hindus believe that Mahalakshmi resides in Gold.
Guruvarulum Tiruvarulum ellorukkum kidaikkattum.
Sarma Sastrigal