This is already in development for Cashu. The user of several Cashu mints can make a Lightning payment cashing in tokens from multiple mints, and the receiver doesn't have to know. 

bitcoin

Sill bullish on eCash?

nullcount

Maybe the mints/tokens become abstracted away from end users.

Just like how your Tor browser selects a handful of relays to route with, maybe a fedimint enabled wallet will auto-select a handful of mints to distribute user balances.

Instead of earning "yield" like a traditional savings account, you pay a "tax" whenever one of the mints that held some of your balance rugs or is shutdown.