....Do you know the safest way to stake stablecoins without breaking the bank?
I'm not sure I understand your question here. I guess you can choose established or known "decentralized" staking platforms if you want lower risk of hacks and exploitations. Go for regulated centralized platforms for an even lower risk - those that are highly capable of refunding you.
Also, do you think it's worth it?
Yes if you have no immediate need of spending your extra fund. Better than not earning anything but don't put your life savings on it.