Nothing you wrote makes any sense. We are talking about stable coins. Where does speculations fits here? Also could you make an argument without making accusations?
1. Stable coins make no sense for anyone outside of a handful of small, poor countries.
2. Stable coins make no sense for anyone who has meaningful wealth even in those countries because they have other, better options available.
3. The amount of money in Stable coins is >$100Bn - this is far more than what would go in to resolve any of these problems. Mentioning these problems is noise / a distraction.
4. The primary purpose of stable coins is for people to get in and out of / time trades in cryptocurrency (speculation).
Do you honestly believe people collectively parked >$80Bn in a shady company using it purely as a bank account - because that was really their best option? If not - then these talking points aren't really worth talking about. My whole point.
The "stable" part of the -coin is all marketing. It's true while enough people believe it's true... and if at any point enough people disbelieve it, it'll be everything but.
