You realize that all that is being done is paying you back money you overpaid to the government without interest payments? You know you can just adjust your withholdings to receive that same money over your paychecks?
tfw i'm paying for half the mufukkas on this site
behavioral and pysch differences in getting an extra 300 month vs. getting a one time $3600 check. $300 is so small people won't use it "correctly", getting $3600 back is like someone else said, a forced savings...whether they park it in savings, pay off a bill, ect, getting a lump sum > small incremental pay throughout the year that's easy to whittle away on bullshytpeople love the idea of getting something back. Its really stupid how people think. The like the feeling of the government paying them something lol