Yep, that's how you've been sucked into the system. Oh, you didn't spend as much as you planned? We'll steal the rest of the budget unless you go buy some name-brand Tylenol that you don't actually need just to fill up the hard-earned money that you marked up as FSA that are on the verge of being stolen. That's the flip side of the casino: either the FSA admin pockets your cash, or Tylenol (TM) pockets your cash, or the IRS pockets your cash, depending on which direction in the triangle you mis-priced your needs.
Also, generic acetaminophen is cheap, and works just as well. If you're buying name-brand Tylenol just to fill up remnant FSA dollars, you aren't saving money.
> you WILL use up that FSA. Every. Single. Year.
It's strictly better to abolish the FSA and just let you tax-deduct your medical expenses. You win, the young ones also win. But no, the system wants to put the FSA casino in the way so that it can bank a few extra dollars off the young folks.
If you don't see it blindingly obvious that this is strictly better, and STILL want to play the FSA game, you've either been brainwashed by the system as well, or you've become part of the system in upholding something that is predatory.