I think the thing that can make Cryptocurrencies users not afraid of investment is a clear policy, in my opinion without a clear policy will make users always worried and confused, especially the latest cases namely Luna, this can happen and repeat without being able to be controlled.
So don't invest in stablecoin peg by the vague value of alts, easy. A cashless policy doesn't mean you have to use crypto or stable coin in the crypto network. A digital dollar with the real backing from the US banks is the best thing that could possibly.