taxes or how to make $ for nothing

I think about taxes year-round. I have $ deferred towards HSA and 401(k) based on getting the most money back when it comes to refund time.
Not sure why it's called "refund" when I don't have any federal taxes taken from my paycheck. I had J resubmit her W-4 when she got back from maternity leave, so SHE had some to be refunded.
Otherwise, our refund is pure earnings... money for nothing because we are technically poor. I'm sure there are ways to manipulate one's cash flow to be poorer on paper, but certain things do need to be available as earned income since money needs to be made for house, car, student loan, and most utility payments. If we had less debt, I'd max out my 401(k) and we'd be able to get an additional payout  roughly to 30% of the deferred money. I would be audited, no doubt.
Now, I happen to have decent credit with ample credit cards and offers available that I could borrow said amount of money to offset the deferred money to bank the 30% profit which is significantly more than the 2%-4% in transaction fees I'd incur. Of course that assumes that I'm able to pay back the borrowed principle in full without further interest charges.
Most 0% credit card transfers have a 12 month grace period with 1%-2% due as minimum monthly payment.
Let's assume $10k is the amount allotted. Upfront transaction cost would be between $200-$400 and a monthly payment of $102-$208, leaving roughly $9,132-$8,328 in principle if said minimum payments are for a 12 month period. $3k in extra refund means $6,132-$5,328 needs paid or financed. Of course the latter suggests doing the process again, which seems a bit like robbing Peter to pay Paul, but the money being deferred into the 401(k) is real money that will be available upon retirement in greater quantity if everything Clark Howard says is accurate.