“If you don’t end up using it for medical expenses, you can withdraw it tax-free if you become disabled or when you retire.”

Your tax refund being taken is very different than becoming liable for a debt. Even with married filing jointly, the reason the refund can be taken is because it is considered a joint asset (Like a joint bank account). You are still not liable, but your spouse is and that exposes joint assets. For example, a bank…

“Alcohol just miraculously makes everything better?”