Yeah. There's no way to predict. Some system for simply reporting problems after they occur (and a way for affected users to state that their problem has been fixed) would likely be more helpful for users. A "no news is good news" method.

The distributed risk also comes with a distributed likelihood of problems, too, and a reduced sense of urgency to address & rectify issues since it's a small group affected by it rather than many vehement voices of typical centralized custodial services. With money, it's particularly important that a service stays available. Users should be aware of tradeoffs, yes, but the system needs to be reliable enough to make those tradeoffs worth the risk or even people that understand it will quit using any of it altogether. I think the method above would help incentivize operators to monitor and address issues, too. Then if a mint has repeated problems but fixes them quickly, they can still build positive reputation.