Why do the unexchanged coins scare you? I love the payouts s that follow those.
...if the payouts happen.
If unexchanged balance just grows over time, you're not getting paid accordingly.

Has your fear ever been realized here? Except for the occasional server problem, has there ever been a failure to convert the unexchanged to exchanged?
There have been frequent occasions when the unexchanged built up during the day, but somehow, we all manage to muddle through and, at the end of the day, get paid.
Stop buying problems where there are none. Everything will be just fine.