Having banks as an intermediary for HSA is a very interesting idea. I don’t really see a problem with banks being required by law to report transactions for an HSA, but I would worry about that becoming a precedent for further bank disclosure of information.
I think the first step would be to implement some new rules to insurance the health insurance industry. Consider voting for my policy if you agree.
Outlaw Employer Sponsored Insurance (Decoupling Health Insurance from Employment)