abay mariam ke gullu this is a withholding tax, govt will cut the tax whether you are filer or not (only different rate for filer and non filer). then after the year is over you will have to list all checks, pay orders, bank transactions you have done throughout the year in your tax return and ask for refund from fbr. do you think people have time to keep record of every check and bank transaction to claim refund. how much rishwat will fbr guy take to issue refund?
other withholding taxes include ptcl bill, k-electric (if bill is over some amount) bill, mobile cards, internet (just introduced) bill over rs 1000.
you need a munshi to keep all this record specially if you are a small business owner and do few dozen transactions per month.
mariam aur uske gullus ne hamesha haramka khaya isliye tax ki abc bhi nahi malum haram khoro ko.