Counterpoint, I quite like this. I’m terrible at keeping payment details up to date, and I’ve got long renewal periods on my domains. The early renewal attempt allows me to get an email that my payment is expired or revoked (due to a stolen card number or something) and I have a month to go correct it.

No, you should probably collect your documentation and engage an attorney. Money in an HSA is yours, whether you leave the company or not. Your contributions need to be made while you’re covered under an eligible health plan, but once you’ve made the contribution, funds are yours forever, and can be spend on any eligible expense in the future.