What value stablecoins settle? Go to any supermarket in the world and you'll see people paying with Visa or Mastecard every single minute. But where are the stablecoin payments? I never encountered a business, even a small one, that accepts stablecoins.
My guess is that most of the activity on stablecoin network is speculative trading, especially by bots. If someone shut down stablecoins tomorrow, the world wouldn't notice. If someone shut down Visa tomorrow, that would be Armageddon.
I like the analysis of stablecoin and Visa to see that even Visa is valid and valued for P2P transaction more than stablecoin that is pegged with another fiat and bitcoin the most of all decentralized coin with freedom, privacy and dominance on all other coin .
So why not go direct and use your card and at least avoid the primary stress of accessing the internet.