The current rulemaking orgy comes as three out of four investors can't define an "expense ratio" and two-thirds think "no-load" funds are free (in truth, they don't charge a fee to start anaccount, but they do take annual charges for expenses).
Third, I, as a FSA account holder, must pay a 20 percent penalty if I advertently or inadvertently chargean ineligible medical service to my health saving account. (We will have to police ourselves in navigating the maze of regulations and rules telling us what we can and cannot buy).