I had a small amount of stubble coins that I turned into bitcoins. This is the last chance that Bitcoin price will continue to improve in the future. If everyone takes advantage of this opportunity, the chances of Bitcoin price going up are very high.
When there is a fud in the market as we see that USDC is depeg from the dollar, i don't think people will convert their stablecoins in bitcoin, rather the money will move out of the crypto market. We have seen this when USDC was depeg, the bitcoin price was also falling, meaning people are not interested to convert their stable coins into bitcoin.
Other than this, yes you have fiat money or stable coins , then you can convert them into bitcoins as this might be the last dip before the bitcoin price rally again towards 25k.