Instead of using dollar-pegged stable coins, why don't you just use the USD itself, it is probably the same thing, then i also do not trust most stable coins, and anybody who has done a bit of research into stable coins will know the reason why.
As long as people making use of stable coin, it can remain good, the only stable coin that I can not advice anyone to use are the algorithmic stable coins, they are the ones that are filling, fiat bxked ones like USDT, USDC and TUSD are all not bad.
But you are not wrong, mist stable coin can be frozen on noncustodial wallet, that is centralization.
If anyone can access USD directly, it is the best, rather than to depend on a coin that depends on USD and that can possibly fail, USD still has more certainty that it can not fail, unlike stable coins.