I think what you're describing is pretty much a CBDC.
Or also, knowing that stablecoins are different from cryptoassets which do not have assets as backings and are more volatile, will in the future, the success of stablecoins not call for something like a bank or a recognized office building built to show legalization and acceptance as a means of payments for transactions and services?
I don't think it even matters much of stablecoins have their own bank. What matters most is that they have proof that these stablecoins actually have a 1:1 backing on whatever bank as long as the bank is decent.