Probably don’t do that second one. That is technically fraud. What you could do is, if you’re bank or CC company have the service, use a virtual card number to sign up for the service and delete it when you want to leave.

I too prefer that. However, I also know there is a large subset of computer users that just want their magic box to work and I don’t think it would be a bad thing if there was a Linux distro they could use.

There’s a reason windows flatly refuses to do some things no matter how much you may want to. It’s people that would do exactly that without any thought or hesitation.

That baggage still exists even if you leave out one of the letters.

You can always just transfer it yourself. Withdraw it from a physical location (assuming there is one) for that bank and deposit it in your own hsa account.