It's not what you would use with a professor or someone you don't know at a company that you work for or perhaps someone you don't know at an insurance company and you're writing a claim.
The account a popular way for people to save for unreimbursed medical expenses like deductibles and co-payments, and things that often are uncovered like eye glasses.
And if you invest the other 95 cents on the dollar that you're not spending on whole life into your retirement, you're going to have millions of dollars.