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 USDC 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.
Yes, it's true you guys do have valid points on the negative effects of stable coins when the company that owns the stable coin fail to have enough liquidity or funds to back-up the pegged currency, and when it comes to which stable coin is the safest, I have been able to discover that USDC is far safer than USDT, since it's backed by the United States Dollar with a transparent regulatory compliance as regards to monetery policies, which is why if you are to still have your funds safe in crypto, USDC is still better if you can't avoid have access to a US Dollar bank account.