@Isdaril Yeah, the inefficiency and expense is a major part of it. There's also the cognitive bias point, too. Another thing is that the government is still taking the money, so even if you get part of it back there's still a period of time when you *don't* have it. This can lead to stressful situations for people in that little grey area where they make enough to pay taxes but don't quite make enough to maintain a significant emergency fund.
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@Isdaril Yeah, the inefficiency and expense is a major part of it. There's also the cognitive bias point, too. Another thing is that the government is still taking the money, so even if you get part of it back there's still a period of time when you *don't* have it. This can lead to stressful situations for people in that little grey area where they make enough to pay taxes but don't quite make enough to maintain a significant emergency fund.