Identity thieves gear up to steal your tax refund

I was just reading (I use that term a lot don't I) that "Identity thieves gear up to steal your tax refund".  Now I have never understood why so many people set their deductions so low that the government owns them a lot of money at the end of the year.  When you do this what you are doing is lending, interest free, that money to the government.  They will not do that for you, if you are lagging in your payment to them they charge you interest.

Imo it is much better to set your deductions such that you owe them a little at the end of the year, they way they have lent you the money interest free.  There are two other advantages to this.  First identity thieves cannot steal what is not there to steal.  And secondly ObamaCare's IRS cannot collect any fine they may impose upon on you for not buying their so called affordable care.