DAI is neat and probably one of the most decentralized stablecoins but the holders are too few in numbers and a large amount of their collateral is in USDC, a centralized currency. It has weak points. I consider it semi-centralized.
Which means if anything terrible happito USDC, that thing will also happen to DAI. I remember when some banks like Silvergate went bankrupted like 2 years ago that USDC was depegged, also DAI was also depegged until USDC failed back its USD value. That has been the time I do not trust the coin anymore, although we heard that it can not be freezed from noncustodial wallet like those USDT and USDC.