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)
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)