It is wrong that we are taxed on "earnings" that we have already paid taxes on. The tax system is this country is so messed up. The only thing we should pay taxes on is our initial wages, and purchases. The government doesn't have the deap pockets it seems to believe it has. The rest of us...
Having been down that path, my recommendation is, warn them that the bank doors are closing. Give them a FIRM date and stick to it! It will be tough but, in order for you to cut the bank teller strings. You will be amazed at how their actions will change. Some will be good, others not so...