There are people who will adjust their W-4 to have as much as possible withheld so that they can maximize their refund.
Those people are undisciplined.
These are the same people who get all giddy about voting for some politician because they promise to give them something “for free.” Just once I want to see those clueless leeches forced to knock on their neighbor’s door and tell them why they’re obligated to give them some of their money. Remove the government smoke and mirrors and the average moron would be shocked at what is really happening in that “free stuff” transaction.
Of course, the urban-dwelling “gibmedats” wouldn’t care anyway; they’d just consider it “reparations.”