ECash mints are more like cooperative bank accounts and I like that model. Can spread your money over 4 different mints, each with their own LN node, but spend it all from one app. Can have a corporate account from your company, where your salary comes in, and one for your church to send your tithe in, and one for your friends and family, one from your local bank, etc.

It requires trust, but most of us actually feel comfortable with that. We often have joint Lightning wallets, too, or we're in organisations with a cash fund we pay dues into, or we do international transfers with hawala, etc.

Mints can be rated, after all, and get more fees for better ratings.