[xp84]

Go look at the financial results of H&R Block and tell me your guess of how many people are spending a ton of money getting taxes done. (Intuit too, but we might not know how much is TT vs QuickBooks).

And I suspect the #1 most common tax form H&R does for retail clients is the 1040EZ, the one that should take anyone with a $2 calculator a total of 10 minutes to get through. For the privilege of having H&R do it for you, you get to pay about $75 and they'll generously loan you your own few thousand dollar (due to EITC) refund on the spot, at an effective APR of like 7,000%