I am not confusing HSA and FSA, but my wording was likely confusing.

When I said "i don't personally touch it", I didn't mean that I avoid it. I just know that it is a part of my benefit package, i get contributions in there, but that's about it. I don't even look at it or interact with it in any way otherwise, because I am not planning to use it until much later in life.

You should at least transition it into something appreciating. By default, you make basically no interest, but you can transfer it into investments.

Ah yes, sounds like you're doing it right, my apologies :)