The problem with stablecoins is that there are already several options on the cryptomarket, and new ones will be created. There was something similar in America, when each state had its own dollar. Which of stablecoins will win is unknown, but the losers will be useless to anyone.
Make a mistake with an investment of stablecoin and you are a beggar.
Most places have a withdraw option to your bank, and in order to do that you need to have fiat, and then fiat in your account could stay there without you withdrawing it and then you could reinvest it. USDT has nothing over USD at all and people will eventually realize it.
Maybe some think about they are safe from more dumps but they don't realize that their ability gor regaining back what they lose is gone by exchanging their holdings to stable coin. So maybe they should forget about that stable coin option since this is actually not a safe crypto to have whatever scenario we are facing on and this is also not the strongest reason why adoption will possibly happen since they already have those bank provided payment gateway and I think this is more better than stable coins so government will just likely ignore the possibilities of adoption due to those matters. Bitcoin still the strongest currency to have and for sure this is the main reason why the adoption happen.