You can get a domiciliary account and save in foreign currencies like dollar. Stable coins are pegged to fiat and they can lose their beg and value.
Save in local currency? That depends which country that you are. If you are in US, Europe spending Euro, or if you are in UK, Kuwait, Australia, Canada or other countries with better inflation, use your local currency.
If you are in counties like Turkey, Venezuela, African countries and part of Asia and South America, use domiciliary account.
Hold only the amount of money that you can afford to lose on stable coins.
In time like this when bitcoin price is low, you can hold bitcoin instead. Bitcoin is the best if you can get it right. Bitcoin is a deflationary currency if compared with fiat.
Yes. you are right, if our country is doing well, it's not in crisis, it's better to save your money in Local Currency but, if conditions are like a country experiencing a crisis, it is highly recommended to choose and save in the form of stablecoins and the choice is up to you, you can USDT or something else and for classic reasons other stablecoins are crypto investment choices too.
Then if you switch to investing. On exchanges, users usually use 2 options, namely a trading account and an investment account. So, for an investment account, if you save it for now, it's highly recommended. where you can use it to buy coins such as BTC with the Dollar Cost Averaging (DCA) strategy pattern or invest regularly in the same amount on a regular basis and also stablecoins are designed to have a value referring to certain commodity assets.