This interests me. Why do people think that lending their money to the government (and the state) for the year, and then getting it back at the end, without any interest is a good idea? Whereas keeping your own money, and only giving what you owe ( and not a dollar more) at the end of the year is a bad thing?
People lack the financial discipline not to spend money that won't be theirs? Getting money you couldn't be bothered to track is a nice surprise?