If #bitcoin is 'Be Your Own Bank' technology, then #cashu and #ecash are going to offer anyone the ability to be their own PayPal.

Yes, an ecash mint has a custodial relationship with it's userbase, however the ease with which new mints can be spun up, and the consequential choice in the market that users will have, will force honesty on the part of the mint, and reduce the tendency and incentives toward censorship.

Treat users badly, and they will simply go elsewhere.

#Nostr 's attempts at decentralisation (via an abundance of 'hot swappable', distributed relays) represents a good analogy, in this context.