This kind of thoughts tends to pop up during times of economic uncertainty. While you think that we're on the brink of a major financial collapse, I don't necessarily agree with that conclusion. While rising rates can put pressure on markets and banks, it's not the first time the economy has faced such challenges.
As for stablecoins and crypto being a "last rock" to stand on, while cryptocurrencies have their value and can serve as an alternative to traditional finance, they're still highly volatile and speculative.
it's important to stay informed, but don't get caught up in fear-based predictions