Finally getting to read this...laughing at your descriptions!
I did them a while ago and it is not a concern for me.
I think the jumping through hoops is a very accurate description. Everyday they get to keep your money is generating extra money in “float investments” for the government.
I can never see why people want money back. Make it come out as close as you can and pay the balance on the 15th after the close of business. You gain several more days interest since they do not process it on a daily basis at the end when they receive so much mail. Why would you want to loan the government money? Save it and keep the interest yourself.
I’m sure they just invest the extra money in treasuries; probably doesn’t even keep up with inflation.