Maybe in past decades some employers were willing to give it a shot? I can't imagine anyone who just does this camp getting into "Big Tech" immediately. Maybe they actually were clever, had some relevant experience before, strong interest in technology already.
I know someone who did a bootcamp to move from sales to something they described sales engineer.
close to 0 interest rate is not something that will happen for a long time now. But as someone else has pointed out, empire building will never stop once companies open up hiring and budget freezes.
I have seen some people on reddit admit that they are bad at managing finances month to month and would rather have that big refund come back that they can use to pay off debt or something. I know it sounds counter intuitive, but whatever works for individuals man.
Well most people are just not literate when it comes to finances. They are not aware of what withholding means, how to calculate things. I'm sure it's not simple to do when you are working multiple jobs, or temp jobs in between (well these won't be those simple W 2 scenarios we are talking about).
We are know that the tax codes are intentionally complicated and big firms don't want government to fix them. Rules being complected allows having loopholes for certain people.
This is true. The thing that most people won't appreciate is that taxes that are not done online are processed at a very slow pace. Most people don't try to optimize their withholding in a way to get close to 0 tax returns and won't be willing to wait long times to get any kind of returns. We all are paying cost of capitalism.