correct, there is no such thing as change outputs. But if we create standard denominations (1k, 5, 10k, 20k, etc.) then we could treat them like dollar bills. If I owe you 50k, I could give you 3 20k utxos and you could give me back a 10k utxo if you already have one
I was thinking if it would be possible something like deposit btc in a musig 2/2 similar to this, all txs in the service being custodial ecash with any denomination, and every 24h or so onchain settlement with a batch tx. Keep in mind that my knowledge about bitcoin technical is very limited so sorry if this sounds retarded.