No easy solutions. Nothing is as safe as self custodied btc really, maybe gold, maybe dollars cash. Everything has downsides.
Discussion
Does tether or usdc have any disasters in their history?
No don't think so, but they have censored transactions and frozen funds. Also tether was created by the bitfinex people, who were hacked spectacularly in 2016.
People were working on algo based stables but these maybe banned now because of the attack on these type of stables. I.e UST on LUNA.
We still could try working on a free floating stable as Nikolai Mushegian was working on before he drowned'.