As to OP's question, it's a bit strange to me. If you need fiat and have USDT, you might not be able to exchange it directly depending on which exchange you're using, but if you're able to trade with fiat you can always do the USDT->BTC->USD route. It might be somewhat of a hassle, but it solves the problem. I've never dealt with USDT myself, so I don't know how the exchanges treat it as far as letting you trade it for fiat--but from reading some of the responses here, it sounds like it's not that big a deal.
If Kraken is one of your only options, then go for it. Just make sure you have a ultra-mega-super high resolution camera that can pick up every hair follicle on your face.