It's better to avoid any chain that asked for large fees.
Bitcoin on-chain fee has been outrageous for the last few weeks. The fee was quite high. I had to pay more than a $50 fee on a TX; I had many inputs. Nevertheless, would you stop using the Bitcoin chain for that? I believe you wouldn't do that.
Bitcoin chain is not for small transactions. At least not now. If you are moving large some of money then it's fine to pay $50 to $100 fees but for a $500 transaction, it's better to use other chain. I don't see anytime soon the transaction fees are going down.
I preferred DAI as it is a little decentralized and more linked to USDC, which seems less likely to collapse than USDT since Coinbase has better reserves and a safety factor than USDT.
Isn't USDT is some kind of centralized chain. They can lock an address whenever they want.