How are you supposed to get your taxes if you don't have enough money in your bank account to cover the turbo tax Fee and you're not getting enough back on your refund

If your refund is not enough to pay the fees and you cannot afford the fees upfront, then consider preparing your return somewhere else that would be free.

Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site

https://apps.irs.gov/app/freeFile/

Or—if you live in certain states you may be eligible to use the new IRS Direct File

In Filing Season 2025, Direct File will be available in Alaska, Arizona, California, Connecticut, Florida, Idaho, Kansas, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wisconsin, and Wyoming. 

https://directfile.irs.gov/

https://home.treasury.gov/news/press-releases/jy2629