Taxes, like death, are a certainty. We try not to think much about either one. We were all shuffling through pay stubs, receipts, government forms and computer programs in preparation for tax day last month. Those at the top hire skilled attorneys and financial advisors to pay as little as possible. Those in the middle sweat through the process, hoping they haven’t missed anything, hoping for a few dollars back in their pockets at the end.

But what about those at the bottom?