Yes, and the tokens are also a bearer asset in that they are saved on the device, but still 100% ruggable by mint. 

I am a huge advocate and user of cashu because it allows Nostr Natives to obtain and interact with zaps on nostr until they save enough to potentially move down a layer without creating an account with a company.  

 100% this! 

0 friction onboard without the hassle of fees, channels, routing, etc. At the expense of using a trusted 3rd party for custodian…which you have options to choose from.