An HSA Funding Distribution is generally an HSA funding method of last resort and it's only suitable for those who would otherwise pay an early-distribution penalty on the distribution from the IRA. For those who have the funds to do so, it's generally better to fund an HSA contribution with money from non-retirement money, receive the tax deduction and lower their tax liability.
I see TurboTax making this "difficult" as being a benefit by discouraging you from reporting an HFD under circumstances where is it detrimental for you to do so.
