CPA once told me they instituted withholding taxes in the 1940s because they knew there’d be a revolution if everyone was required to send in their taxes at the end of the year. Less painful to siphon it off drop by drop. The quickest way to become a fiscal conservative (at least for me) was having to pay quarterly taxes. A very different experience to put the money in your account and then have to write a check to the government. Especially realizing the money was wasted before the ink was dry.