@pamela_herd FSAs are absurd and AFAICT were designed to create profits from the fact that nobody has time to fully mind their FSA; e.g. their source of income is mistakes made by the recipients, even though their job is to *prevent mistakes*.

When I do my FSA every year it's obviously something that would be simpler as a tax deduction but as you say, tax deductions don't provide benefit to the people who need it most. either way there is no excuse for FSAs to exist in their current form.