We offer one for our FSA and it has achieved near universal dislike. We find that the backend on pharmacies is spotty- resulting in the ability to use the card, with the caveat that receipts still have to be saved and turned in. Additionally, it seems that making this relatively painless and mindless does not really fit with the concept of CDHC. Consumers who aren't grappling with the realities are not really "informed."

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