There is no guarantee that stable coins will be safe, learning from experience in the LUNA case, even stable coins can collapse if the main support collapses. I only use stable coins that have been proven to have a strong foundation, such as BUSD and USDT.
It is not entirely correct to compare algorithmic stablecoins with centralized stablecoins.
Important news and reports I publish in this thread
https://bitcointalk.org/index.php?topic=5247581I use different stablecoins, including decentralized DAI, but the only protection can be to store savings in different stablecoins and cryptocurrencies.