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Having an option in wallets to "auto cashout tokens after X hours/days" would help protect individual users.
However, this wouldn't solve anything for the ecosystem of vendors. Suppose that mint becomes insolvent at 12:00....there could still be frac-reserved eCash being presented to Vendors, which they would have no way to check. (unless of course they immediately withdrew presented eCash into LN, but that defeats the purpose)
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You can ask for an audit from the mint. Still trusting then but it's available.
Most surefire way would be to enact a bank run.