Keeping it in a stablecoin helps nobody. Currently at least. I can't pay my property taxes, mortgage, groceries, my childs sports and school fees, my company payroll or car payment in stablecoins. So I fail to see the value. I, and people need dollars for these things not tether. Nevermind they are all centralized and aml/fincen friendly anyways. It seems you live in this little fake bubble that doesn't actually have real world expenses and family needs. Or you are completely full of shit and do spend dollars.