What makes you worry about the stable coins? There's nothing to worry about them but if you hold a bunch of USDT, then you better replace that with another stable coin that you're trusting more than it. Because as we know with USDT, they've got the ability to freeze your funds if they want to but, this is at least for those hacked funds/addresses still, they are free to do that to anyone.
The basic reason why people need crypto is because we don't have to trust a centralized system.
But the idea of a stablecoin is that we have to believe that it is backed by a dollar-denominated or other asset with a fair value that is at least the same as fiat money. In fact more than a year stablecoin market capitulation grew more than 20 times and never stop.
That's what worries me, what if they just continue to mint stablecoin without being backed up 100%.
I believe in human greed so i think sooner or later the cryptocurrency market will crash because of stablecoins