I have only investment account for living expenses and incurred a sizable loss for 2022 with negative income for the year. Why $0 refund?

Did you have any withholding taken out?  You can only get a refund from withholding.  

And If you have a net loss for the year you can only deduct 3,000 (1,500 MFS) max on your tax return.  The rest you have to carryover to next year.  You have to report the carryover every year until it's used up.  You can't skip a year.  

Whether you will receive a refund for tax year 2022 depends largely on whether you made estimated tax payments or had taxes withheld from wages or pensions during the year.

This year, several tax credits have been lowered to amounts before the coronavirus pandemic—or eliminated entirely. This includes the Child Tax Credit, the Child and Dependent Care Credit, and more. Check if these changes are why you don't see a refund for this year.

Double-check your entries for income, taxes paid, and deductions to confirm they are correct. Compare the individual line items with last year's return as well, if applicable.

See this help article for more information.

You can preview your return before filing to find out how your taxes were calculated and to see the forms TurboTax has prepared from your entries. See here for details. 

the living expenses paid are probably not deductible. what is the nature of the negative income? normally in an investment account you have dividends and interest income which are taxable. a sizable capital loss will not have a significant effect on your taxes since only $3,000 can be used in any one year the rest gets carried forward.  we can't see your return or documents but negative adjusted gross income will not produce any refund unless taxes were paid in for the year.  investment income does not produce any credits that would result in you getting a refund.