"People from all walks of life can have health savings accounts."

Assuming that they have a job and have a steady enough income that they can put aside money into those accounts.  Also assuming that they don't already have a serious medical issue that they are dealing with and are at a point where they can "save", as opposed to needing to spend the money to help themselves.  Also, what tends to happen with the poor who have these accounts is that they also have a really bad, high deductible health care plan.  Which means when they do need medical care, they pretty much have to drain the entire account to pay off the bill, and often that doesn't even cover the deductable.  

So, your assertion that people "from all walks of life" can have a health savings account is correct - except the people who tend to benifit the most from those plans are (shockingly) the already wealthy.