re: Flexible Spending Accounts for medical costs - use it or lose it?

It is pretty frustrating how this system works. It's like they make you forfeit your leftover money, that should be YOURS, because it is too inconvenient to get the money back to you and remove taxes from it. It shouldn't be like that. Just let me charge all my medical expenses until I hit my max allowable for the year, then reimburse me.