I’m dreaming of a future in which ecash tokens (like the https://cashu.space/ implementation) will be swapped between different mints automatically in the background without the end-users knowledge.

Today this takes conscious effort. But give it a year or two and wallets will no doubt do this under the hood. Just look at lightning. I remember a time you could only run it #rekless in your laptop or raspberry. Now every decent wallet supports it, often in custodial and non-custodial ways out of the box.

If you are not knowledgable about this then you are not bothered by the hidden settings, and if you do know what it means then you can use these options easily.