I always thought that a stable coin was needed because investing in the crypto world would be needed to hold our funds when not investing or daily trading. so I think stablecoin solves the problem when holding our funds when the market hasn't given potential yet
Then just sell your coins for fiat and withdraw them to your bank account - it's safer than any stablecoin, because they are both centralized companies, but banks are at least regulated and need to uphold their reputation, while stablecoins are risky startups that can go poof any day. Maybe stablecoins have some merit when it comes to transactions, but for hodling they are really a poor choice.