I don't really agree with this and is not relevant to my question. I did not ask for financial planning advice, I asked about protection during auditing, however I will respond.
There is an underlying assumption in your comment's "math" that there will somehow be ZERO future medical expenses to make your calculation... That all the money I have invested will be taxed at regular income because I don't spend money on medical expenses. It is completely unfounded and not based in reality, and I'm not sure where you got this understanding that people don't spend money on healthcare in retirement or as they age.
I think with this basic premise and advice you give is probably untrustworthy since you don't even understand that I will be able to deduct the HSA in retirement for future medical expenses that I will almost certainly have. You don't know my tax situation, so I don't know why you are giving me advice to not invest in an HSA when it's not relevant to my question, and you don't have any data on my situation to support that point of view.
