Some never do figure it out. I’ve tried to explain that to some of my co-workers; it was like describing a color to a blind man. These tend to be people who don’t see much point in balancing their checking accounts.
Do what I do (if you can) … pay your withholdings quarterly instead of direct deductions, keeping the balance in an interest account until time to pay. You won’t earn that much interest, but at least it would be something.
If you think ignorance is bliss, then yeah.