New suggestion to Government of India to increase income

The Income Tax Act provides provision to deduct tax on interest income of the bank customers in India.Bank customers at present use self declaration forms 15 G/H to instruct banks from not to deduct tax at source.This policy of the government is not good as this almost deceive GOI annually 50000 -70000 Crores { 500 -700 Billion }.Why we not abolish use of 15 G/H.The aggrieved persons may file ITR to get refund.Please simplify rules so that banks can act properly.