I wonder if the terms of the LSA mean that spouses can contribute to one another's accounts.
It would seem that way:
"Contribution limit of $5,000 applies to the individual owner of the account, not the contributor. Contributors could make annual contributions to the accounts of other individuals."
My bet is that there's absolutely no way this will get enacted. If it did, I'd certainly take advantage of it! But my cynical take is that most people wouldn't. It's not like most people even max out their contributions to 401ks and IRAs... and most people I know don't even make *any* contribution (or really understand) to an IRA.