In my opinion there is really no difference between bank and USDT if they can freeze coins. So, I am just wondering, if you have any preferred stable coins which is safe and can't be frozen etc.
Until we are having a truly decentralized stable coin, more stablecoin will be safer for long term holding. For example, tether is a corporate based stabelcoin and if a government shutdown their business, then all tether native coins and tokens will become zero volume due to massive dump.