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)