Or the person calculating their withholding was. But if you’re paycheck to paycheck then that paycheck amount is all that really matters. Cool, I get a bigger refund eventually, but I’m now choosing between eating, walking 2 hours to work to save gas, or letting a bill go unpaid.

I live in a van, I’ve spent a lot of time deep in the woods all across the US. There are still hardly any insects when the nearest lawn is dozens of miles away. This is almost definitely related to industrial scale pollution effecting the entire ecosystem not just just localized habitat destruction.