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I live in a country where the constant inflation rate is considered high even in good times. Therefore, all citizens save extra money that they can put aside from their salaries in foreign currency. Specifically in US dollars. The opinion has long been fixed that the right solution would be to link the prices of apartments, as well as cars to US dollars. That's why I like to save dollars, unlike Stable coins, it can't be taken away from me at one moment.
After all, everyone knows that any stable coins are centralized, and they can all depreciate at any time, as the author of the topic described. Therefore, it is better to have bills in your pocket than stable coins on the balance. Let the latter be instantly resold into bitcoin.
In general, this is the value of the cash dollar "in your pocket" - it is absolutely liquid, there is a constant demand for it, it is easy to manage. Yes, there are problems from the series of "how do I get 10 million dollars across the border" - but something tells me that this problem does not concern us much
As I've already written - neither bank nor stablecoin is an ideal solution, for the very reason that the bank/exchange/stablecoin issuing company can restrict access to them, the legal owner, for many reasons. That's why I always recommend diversifying savings and storage mechanisms