Reminds me of the staggering number of people who don't get marginal tax rates, even thinking they should pass up certain raises so they don't get pushed into a higher tax bracket and pay a higher rate on their whole salary.
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".
