Stablecoin recipe ingredients list.
100% of inflation risk of fiat.
100% of key management hassle and online security risk of bitcoin.
Take your crypto and split it into its 2 component parts.
Keep the counterparty rug risk but discard the miniscule chance that you bought a winning lottery ticket.
Even when I was new and ill informed enough to be into crypto I knew better than to ever touch stablecoins.
Remember that crypto sometimes goes up temporarily because of the greater fool theory. If you are holding a crypto guaranteed to never go up that tells you that there can be no greater fool than you.