Your comments are contradictory and untrue. Just like fiat in a bank, you don't have control over stablecoin because it is highly centralized. Don't deceive people into thinking stablecoins are safe because they are issued and controlled by third parties. Bitcoin stored in a non-custodian wallet is an example of a safe asset.
USDT and USD are even worse to buy and hold because they are something else; they could easily be depegged under any circumstance if the issuance company has the possibility of its value returning to zero, and then again, instead of holding USDT, I will better advise the person to hold a physical USD and save it up on their personal volt; it's safer since there are no differences since it's still the same fiat.