tsz.... I think how you view it is subjective. What the original poster is referring to is that getting basic things like student loan interest deducted and other services automatically puts you out of the free realm of using this services. Yes, you can opt out of using something that is 'extra'. but then you wont be maximizing your return and unable to include it. Resulting in paying more in taxes. But the next thing you'll probably say is "don't use the product then."
