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A reputable recovery-peptide clinic will answer all four clearly

This is to quickly fix the deficiency

Peptide therapy uses bioidentical or synthetic versions of these molecules to enhance or restore functions that have declined due to age, illness, or chronic stress

In the event that the younger spouse has already reached age 65, themselves, the preference to concentrate contributions in the older spouses HSA can be discarded if contributions are still being made to the HSA (a scenario that would generally require the spouses to be covered by a large employers group plan, or else Medicare would become the couples primary insurer and HSA contributions would no longer be allowed), as the tax treatment for all distributions would now apply equally to both spouses

these are not personal-result promises