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Of course giving the government an interest free loan is silly. I mean would you keep your money in a bank that didn't pay any interest? Would you loan your money to some big company interest free. Would you loan money interest free to some stranger?
Just think logically for a second. I can earn interest on my money or I can let the government hold my money and earn no interest on my money. I can't imagine why a person wouldn't want to earn interest on their money. No matter where rates are at, something is better than nothing. Besides, what do those people that can't control their spending do with their big refund...spend it right away. Only now they have less to spend because they haven't been earning any interest.
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