Most altcoins are speculative objects with very volatile value. This makes them unsuitable both as means of payment and as long-term investment objects.
I plan to start a new altcoin to be tied to something that has a reasonably lasting value like precious metals or fiat money.
I would appreciate getting other people's opinion on what must be assumed to be the greatest interest and need. A means of payment pegged to fiat money or savings item pegged precious metals?
None. Well I mean fro you as the developer both are fine. For people buying this altcoin both options are bad. It is way less risky fro these people just buy precious metal or fiat and hold it. No need to buy a token that is backed by them. They just expose them self to additional risk that that backup vanish.