You’re still missing the point
The ecash is predicated on sound cryptography and signatures
That is the prerequisite. Adding value packets to it doesn’t further protect from the class of attacks it’s just another feature that may or may not have value independent of security
I don't see it as an either or. It can be an and.
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The AND case adds no value in the security front and rests upon the same prerequisites. It is just a special case
