This is a real can of worms you've opened. Stablecoins were meant to offer a more reliable alternative to traditional fiat, but it seems we're trading one set of problems for another. The whole idea of crypto is supposed to be about decentralization and freedom, but if Tether and USDC start behaving like banks, what's the point, right? It's a stark reminder that we're still in the wild west of finance, and it's risky out here.