the stablecoins centralized are reliable ? Is there a risk that they will be stopped or closed by the usa or european government?
if i have stablecoins centralized is better to convert everything in decentralized stablecoins ?
It will always depend to your choice but most of the investors didn't think the same way, if you are investing there is always a risk but in stablecoins the risk is not that high so others are choosing it if they just want to deposit their money without thinking about the interest.
All stable coins are not reliable, that is my motto as everything can be stop anytime if someone or the government will unite to stop it therefore even if they are stablecoins there is always a risk. But most of the investors are preferring with high risk investment as the return is pretty high also.