Or the staggering number (likely a very large overlap with your group) who appear to see their tax refund as "free money back from the government" instead of wh

Or the staggering number (likely a very large overlap with your group) who appear to see their tax refund as "free money back from the government" instead of what it really is: "you are simply getting back money you loaned to the government interest free for up to a year".