The time to sell or exchange your bitcoin for a stablecoin passed a week ago when bitcoin was still in the $50k regions. Doing it now at below $40k doesn't make much sense especially if you are taking a big loss. I know people who held on to their coins after buying them at the top of the 2017 bull run. They did nothing when it came falling down to $3-4k. On the contrary, they kept accumulating and waiting for better days. Don't sell now unless you absolutely need that money.