In my country presently, we know how important cash has become, the government decide to renew our Fiat currency and it's not in circulation yet, for some reasons, some people believe that it was intentional because they don't want some bad actors to use Fiat to rig the ongoing election in the country.
I think the whole world is moving into the digital era. Despite the event you mentioned, we must look far as the world is changing fast and almost everything we buy and every service we use will be available through the internet, so using fiat currencies won't be suitable in these cases though. Indeed, a lot of countries have announced their plans to issue digital versions of their currency, and after that the usage of fiat currency should decrease until it disappears.
I believe that all stable coins are easier to trample on by the government, more than other crypto projects in this space, Fiat has it's usefulness, let's stop deceiving ourselves, the first time I ever purchased Bitcoin I use Fiat and I believe this is the same as everybody on here, unless you mine your own Bitcoin or get paid in Bitcoin working online.
I don't agree with you regarding this point. Some stable coins have proved reserves, and they issue financial reports regularly. In addition, they are a necessary factor in this volatile market. For example, if you want to sell your Bitcoin but don't want to leave the market, stable coins will offer the solution and make you tons of deals with banks in case you want to buy again. Nonetheless, dealing with stable coins looks much better than putting money in banks and losing it all, as the stable coins give you the opportunity to sell them fast in case a drop in value happens, while banks will hold your money for unknown period.