There is no possible disagreement that they’re terrible, but that’s mostly because our income tax and carve-out system is terrible, slightly compounded by the stupidity of the veil that makes it “non-discretionary and therefore we can call it non-taxable income”.
But for relatively organized people, or good predictors of acceptable expenses, it’s still free money. Refusing to use it seems to hurt you, and sends no signals to anyone who will listen (because there is nobody listening anyway).
to pick the least important thing you mentioned,
There is no possible disagreement that they’re terrible, but that’s mostly because our income tax and carve-out system is terrible, slightly compounded by the stupidity of the veil that makes it “non-discretionary and therefore we can call it non-taxable income”.
But for relatively organized people, or good predictors of acceptable expenses, it’s still free money. Refusing to use it seems to hurt you, and sends no signals to anyone who will listen (because there is nobody listening anyway).