It is also frustrated that this was meant to be a temporary hack during WWII that never went away. People should just get $$ into their HSA from their employer and but whatever plan they want.
AFAIK it's even worse and want never really "meant" to be anything but it was a workaround of mandated salary caps to compete for workers. Pretty much every time someone tries to limit the market, unintended consequences result. We are still paying for this one.