I'd rather hold banks, regulators, and governments accountable so that I can safely and sensibly transfer funds rather than having to rely on bullshit nerd Ponzi schemes.
They're not actually accountable for their actions. History shows this. Fwiw though, I think that stablecoins are pretty much only good for trading pegs and an alternative to international remittances.
Please make your substantive points without calling names. Perhaps you don't owe "bullshit nerd Ponzi schemes" better, but you owe this community better if you're posting here, because that kind of downgrade causes threads to get significantly worse.
Worldwide, historically, this approach seems to have a poor track record.