Unless your tax situation is unusual, it's not that hard to change your withholding to minimize the float. And for most people the magnitude of that float is ti

Unless your tax situation is unusual, it's not that hard to change your withholding to minimize the float. And for most people the magnitude of that float is tiny. People get outraged by the point a lot more than is warranted by the data. You also propose a very poor solution. A large % of Americans are not disciplined enough with their budgeting to save such a large % of their income to write a single check every year. A lot of folks simply wouldn't have the money when it came due. What would you do then?