@jerry  "a 1099-INT from a bank, when there is Federal interest withheld."

I think you mean federal income tax, not federal interest. 

If 100 million taxpayers claim $6 of bogus interest, that's a $600 million hit to the Treasury.  It's nine digits. Just do it.  That's why IRS promotes e-filing; doesn't cost them anything to have tax professionals do their clerical work.