Hey great post Tony! Two quick questions:
What stops everyone from eventually picking the same mint?
What's the flow/ux when the shopkeeper doesn't accept the same ecash you have and a lightning swap is needed?
I think risks should be communicated and members should be transparent to allow users to be better educated with the ones they are choosing. Even at massive scale, there's still reasons why people choose across the custodians that exist. I think this is another thing expirations can help with.
IMO the flow should look exactly how it does today on a custodial LN wallet.
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