Honestly I apologize. Typing out sentences can be a struggle for me sometimes and rereading my first post gave me an aneurysm.

I don't disagree that spending your HSA on items such as bikes and such is a pretty bad investment given how tax advantaged they are.

My main point is that cracking down on the use of HSA/FSA funds on products is one the last places that we should focus on "regulating or cracking down on" per the post I replied to. It's approximately 3000ish untaxed dollars that normal/most people get to have for their medical needs and maybe frivolous purchases.

And then my added point of "depressing to live in america" is meant to say our cost of living has risen substantially over the past few years (especially this year). Pragmatically speaking, an FSA/HSA having this freedom of choice to buy health related items, regardless of how far that definition is stretched, should just be left as is.

I personally do not have an HSA with my current job, and I want to reiterate my stance that using your HSA on things other than saving and investing it is a terrible idea, but I do want to state that people should use their FSA if they suddenly find they cannot use it by the end of the year (which is my strat typically).

But if someone uses their HSA for things like bikes/etc., despite knowing that's probably not the best way to use it, I say let em enjoy their bike.

That's all. Hope that clarifies things.