Are folks preparing their soldiers for an unexpected tax liability come April?

Professionally, I'm annoyed by what I understand the details to be of the tax deferment. I understand that taxes weren't lowered, and will still be payable in full come tax time. So, are employees aware now, they essentially are now obligated to stash that money away for payment in April. It would take the financial acumen of a Corporate Treasury professional to actually economically benefit from the tax deferment, invest those fund to earn an economic benefit, and then pay the tax bill due, and finally netting the investment return for the period of time the employee had the funds invested verses having made the payment per expected.

Economically, the action is inconsequential, and many folks usually planning their cash flows based on April tax refunds are now either going to get a much lower refund, or be broadsided with a tax due bill if they were not disciplined enough to not spend it, which I gather is the majority of typical consumers.