Here I was considering interoperability within the Cosmos/ATOM ecosystem (or Polkadot ecosystem or Avalanche ecosystem). So between Terra and Crypto.org and Thorchain and Binance Chain for example.

The problems that you list shouldn't exist within an interoperable ecosystem. It should be seamless and trustless.

In addition interoperable blockchains can do more than just transferring tokens. Transfer of data should allow things like cross-chain DEXes / cross-chain staking / cross-chain collateral for lending.