You open your email, and there it is: a very official-looking message from the “IRS.” Apparently, you owe $4,000 in back taxes, and if you don’t pay up in the next twenty minutes, a SWAT team is going to rappel through your living room skylight. The catch? The government wants you to pay this debt using Applebee’s gift cards. Unless the federal government is running a massive promotion on half-priced appetizers, you are looking at…