that's reasonable. unfortunately for me, USDT is the only liquid stablecoin on some of the exchanges i use. USDC just isn't big enough yet.
I can't use usdt on coinbase (they only have usdc and dai for most European investors - dunno if its different elsewhere). Binance have put in efforts to list EVERYTHING THEY CAN FIND. that looks like a safe enough stablecoin. If a lot of people use coinbase when they come to crypto then I think usdc liquidity might see a rapid increase (which it should be able to absorb).
I don't fully trust USDT but I still use it anyway since top exchanges like binance have confident using the stable coin, there is no exchanges that failed to list USDT on their platform as I know, all I can advice is to always keep small amount of money in USDT or other stable coins, nothing is guaranteed in this space
A wise person might consider this shady practice. You can find spring water in vending machines priced at £1.50 but the free fountain next to it or any tap may produce the same type of water (the US sources a lot of bottled spring water from taps, Europe sources a lot of its tap water from springs
).