Security is all trade offs. Where are your keys stored? How do you secure those? Do you trust someone else to safeguard them? Not many people live completely alone or trust no one. Community based trust has and will always exist.
That is the scale of focus for Fedimint. If the small stack means a lot to someone, then it would be recommended they not put that in someone else’s trust.
But coming back to the topic at hand, if someone values a swap into XMR more than that stack, a module that enables swaps makes sense.
Nothing is absolute. You trust someone along the path of using bitcoin. It’s how things scale.