If you don't have the time or inclination to do your taxes, many national tax-preparation outlets are waiting to help. Or, maybe "help" isn't the appropriate word. According to Gary Rivlin, instant tax-prep chains, payday lenders, and a host of other outfits are preying on -- and making billions of dollars off -- the working poor. The veteran journalist discusses the widespread fleecing of low-income people and the desperately poor.