Yes, I guess that's usually the way that it works, I imagine. Unless you go to some kind of Valentine's Day party or speed dating event or something, or work in a hospital or a school or after-school program where you help the kids make valentines for other people.
My wife tells me that Valentine's Day is just another day for the guy to spend way too much money on his girl. She doesn't think it is very fair to the guy. Needless to say, I love her for that, lol.