I was there in the beginning when these programs were making their ways through the prepaid systems developers. As a developer I was grateful to have the work as prepaid transaction volume was on the rise but not at a sustainable pace. Back in those days investors were a lot less transparent about their investment goals and ROI.Now HSA and FSA have become a money machine. They take money from all sides. And just like every other processor if you fail to do some required task by some date then repayment becomes absolute. And let’s not forget that there is very limited carryover.But it’s your money!!It’s yet another broken and corrupt system. Don’t do it!