According to @mcuban, the average Health Savings Account pays about $45 per year in fees and most accounts hold less than $4,000, meaning a new $2,000 contribution can face more than 20 percent in fees (@mcuban on X, Dec 5, 2025). According to @mcuban, HSAs were created in 2003 and now hold about $164 billion, and he questions why two decades of HSAs have not reduced healthcare prices (@mcuban on X, Dec 5, 2025). According to @mcuban, these figures imply fee-derived revenue concentrated at HSA custodial banks, a point that may shape trader focus on fee structures and customer balances in HSA-linked financial products as sentiment evolves based on his critique (@mcuban on X, Dec 5, 2025).