Slightly off topic, but years ago I heard someone speculating about that very thing, asking what would happen if everyone set their paycheck deductions so that no income tax would be withheld, instead, putting it in a savings account so that you would have that to pay at the end of the year. Interesting question.
Federal Reserve is bigger keystone than IRS is.
If we orchestrated a cash only holiday weekend over the Fourth of July the big banks and card companies would absolutely freak! Power to the people is still ours if we exercise our authority. MAGA!