I thought BTC was going to replace western union by now and be used by official brick and motor businesses. I guess thats the point of stable coins, Why doesnt BTC have a stable coin backed up by BTC; kind of like how they back up mortgages. I wish I could remember my series seven better I could think up more use cases for BTC.
I think you really need to read the white paper to understand. You are very wrong in your assumption that it will replace Western Union. It has been existing for the first 10 years, and I doubt that we will have something like stable coin backup by BTC.
Will it only be used for investing/speculation as long as its price is this unstable? Can you imagine a normal acting like bitcoin does? I guess pink papers/penny stocks do that but those are just legal pump and dumps that clog up your work fax with junk faxes that come through at 4:00AM making sure you will se it.
And that what separates bitcoin trading from stocks, it's very volatile. It's either you know how to take advantage or it, or learn the price movement. It decentralised, the market is open freely for everyone 24 x 7.