[burkaman]

People who live paycheck to paycheck are very good at budgeting because they have to do it to survive, they don't need any more pressure. If anything it's richer people that could use a little prodding, but either way we don't need the government to be withholding extra money from people it thinks might have bad habits.

> they get a big paycheck once a year to pay off whatever

If you have something big to pay off, you usually need to do it right away. You probably can't afford to wait however many months until you get your refund.