When I was looking for a non-employer HSA, there’s a lot of providers out there with not-exactly-predatory terms. All kind of fees or restrictions that you wouldn’t find on other types of checking/saving/brokerage accounts. I ended up a Lively, but they added some investment/transfer fees when Schwab bought Lively’s investment partner TDA.

I suspect it’s partly because most HSA are determined by the employer, so someone in HR can be induced to choose a fee-laden plan if it’s easier for them, and partly because the tax benefits are so great that it still makes sense even after paying a $20 junk fee here and there.