Hi, I'm a normie who finally got into crypto in nov 2021. But I don't get stable coins. When you sell your crypto, why don't you just convert back to fiat and put that fiat into your bank account right away? I worry about stable coins becoming un-pegged; this is a big concern for me; it's an extra worry that you don't have if you just convert back to fiat right away.
Don't worry too much especially if you hold top marketcap stable coins like USDT it will be okay it's just the same liek you hold another altcoins with high marketcap, it could gone anytime or un-pegged just like you worried about but it won't like that because it's already there for a long time and it used for a lot of people.
So for me personally holding stable coin is better compared to cash it out to bank account because it's require fee and we need more time to do that moreover if we want to buy coin again with the cashed out money.