If you have your money in banks, you do jot have the complete control. If you save stable coins, most of them are centralized and you do not have complete control and they can fall out of peg and be lesser than the money they are pegged with they become. Example of the pegged coin was Terra Classic USD (UST) which was $1 before but now
$0.01186444If bitcoin price have increased, I can decide to convert some to USD or stable coin. Which one is better? Or is there other alternative which can be comparable with bitcoin in a way it would be independent and having full control characteristic.
After there was a case of Terra losing its valuation, I became worried about stablecoins, I was afraid that would happen to USDT or BUSD. If I had to choose, maybe I would prefer to keep USD in a bank account, both are centralized and if you keep USD in a bank, usually the bank will be responsible if our account is hacked, safer than stablecoins, USD valuation is also guaranteed not to collapse overnight
However, if your finances are good, and you have cash in reserve for emergencies, it is better to store it in bitcoins. Only bitcoin is decentralized and its valuation will continue to increase