Absolutely 💯 spot on
A question for nostr:npub12rv5lskctqxxs2c8rf2zlzc7xx3qpvzs3w4etgemauy9thegr43sf485vg
I think ecash should be treated as cash - you never want to carry too much of it around, and certainly not store it with a custodian.
I imagine a mint can take all the nuts if it wants to just by shutting down, this is why it would be important to have trusted mints, perhaps mints tied to trusted clients (popular client having its own mint).
If possible, you'd rotate which mints people are assigned as they join so you don't have a concentration in a handful (make the rug less painful).
But for the most part, it would be on the part of the UX designer to ensure people know not to keep any significant nut stash for too long with a custodial mint.
Discussion
A setting like "I trust this mint only a little bit" to limit the balance on a particular mint would go a long way.