Ah, but you see, HSAs are beloved by the rich plutocrats, because they make for a fantastic tax dodge. And by the banks and money management firms who’d administer these HSAs in exchange for their own cut of the pie – and the freedom to go play stock market roulette with the deposited money.
Sure they’re a scam, but the question always to ask is “Who is benefiting from this scam? And why are they so incredibly eager to pass it?”
It was the same thing, with 401ks and IRAs replacing guaranteed pensions. Piles of money extracted from poor and middle class people (mostly the latter) so the plutocrats can play with it and plunder whenever possible.