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It just means they have to go sooner rather than later.
I don't think they would need to be removed. You'd just need to remove the ability to send them to others. You would still receive them if you don't have a wallet, but you could only use them to pay SN, not stackers.
I think this would be a lot less confusing than the current system, with partial payments, a mix of sats and credits everywhere, decisions on both ends of a payment about whether credits should be prioritized, still receiving credits even though you have a wallet attached, etc.
I'm interested in that: #1559936 and #1559963
I want to have a liquid market, not be a middleman.