People will always find a form of currency, even during anarchy.
Cigarettes are a recent example.
And the government does not give value for money. Simply the process and mechanics of figuring out tax returns not only deprives people of the interest they would have earned over the 3 months that the money is in the gov't's hands, but freqently costs more in the form of salaries of the administrators and paper pushers than the return is actually worth. While some government is good nae necessary, the amount we currently have is excessive, inefficient, ineffective, and a burden that I deeply resent having to bear.