I still don't understand what is the advantage of having a stablecoin...if I need to have $ or Eur I think it's better to change crypto to FIAT.
99% crypto exchanges use crypto/crypto trading pairs not crypto/FIAT. so can you change your Crypto to FIAT every day or on every exchange when you need, That is the advantage of having Stable coins
Also, there is no stable coin that is guaranteed by a trusted third party escrow.
you are right here this is still a real problem.