But if you owe too much you will be fined.
You are right, a refund is the same as an interest free loan to the gummint.
You don't need to owe a lot...$50 should do it.
I learned this about ten years ago, when my wife was hit by identity thieves. We couldn't file electronically due to the fraud. Every year for the past ten years I've purposely underpaid, and the identity thieves never came back.