Have citizens actually write out a check every quarter
Have you actually met any citizens lately? I think you're overestimating the average person's ability to manage their finances. You know that idiot buddy of yours who only takes out $20 at a time from the cash machine so that he won't spend too much? That guy is orders of magnitude brighter than most regular people. Average people have this amazing ability to spend all of their money whenever they have any of it.
So yeah, you and me would know that we needed to keep $60k in savings until April to pay taxes with. Nobody else is capable of doing that math.
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Have citizens actually write out a check every quarter
Have you actually met any citizens lately? I think you're overestimating the average person's ability to manage their finances. You know that idiot buddy of yours who only takes out $20 at a time from the cash machine so that he won't spend too much? That guy is orders of magnitude brighter than most regular people. Average people have this amazing ability to spend all of their money whenever they have any of it.
So yeah, you and me would know that we needed to keep $60k in savings until April to pay taxes with. Nobody else is capable of doing that math.