If the question is whether you should hold cash in the form of a stablecoin or some arbitrary amount in a bank, I'm not sure where the above statement comes into play--if you've got bitcoin and it's increasing in value, you might not want to convert it into any form of fiat currency (or a representation of same, like a stablecoin); you should probably hang on for the ride, no?

Also, if "owning" your money is of any concern to you, then neither choice is a good one IMO.  Anyone who truly wants total control over their money would probably be a permabull of precious metals, because you hear that kind of talk all the time on gold & silver discussion boards--or on this forum, too (lol).

And neither choice is going to beat inflation unless you're using some sort of bank product, like a money market account, a CD, or bonds, and those things don't qualify as "keeping money in the bank".  They're basically investments.  And bleh.  Stablecoins turn me off, man.  I just think they're shady as hell.