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.

Obviously it varies from business to business. Some may not want the hassle, some may see consumer sentiment against fees and not feel it’s worth the impact. Some are content to merely leave prices 3% (or more) higher.

Ultimately, very few businesses price things based on their costs…instead they price based on what they think people are willing to pay, or what the market will bear.

It’s also worth considering, at the scales of many of these businesses, accepting and handling cash is very much not a free option. If I’m a supermarket chain, I pay a card company a few percent and maintain my payment terminals and I magically get my income deposited daily directly in my preferred bank account. I’ve got some risk with stolen cards and chargebacks, but the big Chip Card and Mobile Wallet rollouts have dramatically limited my exposure to that liability.
With cash I have a substantial cost to handle, collect, count, and deposit at each location. I have concerns about counting accuracy, interval and external theft, counterfeit currency, purchasing change from my local bank (which typically has a fee assessed for businesses), etc.

Actually true, but outdated. There was a massive decade long $30b legal fight that eliminated credit card network’s “anti-steering” provisions. Those were contractual terms that retailers signed that prohibited them from offering different prices for cash and card. Some retailers have responded by offering different prices, or otherwise adding a processing fee to card transactions as a result of that settlement.

In fact, in a few certain situations you can actually purchase higher-end hardware than the pros use. UCI has restrictions on shape and weight that need not apply to non sanctioned riders, and there are improvements that are available in both aero and weight. Notably, Triathlon specific bikes are often markedly faster than UCI compliant bikes due to the aggressive aerodynamic optimization.