You'd be surprised how many of the people you know are not discilplined enough to save money at all. Income tax return gives these people a chance to buy something they ordinarily wouldn't be able to. Tv, car, , furniture, money to finish major projects around the house so you don't have to get a loan, vacation. ect.
I like to think of it as a savings plan for people that cant save which is more people than you think considering today's instant gratification society.
Gonig to oklahoma and getting some supra mk1 work done. Socking some cash away in the bank too. I know how to save but my wife sucks at it.