[sparkie]

The use of "stablecoins" is for crypto arbitrage. Exchanging to USD via traditional means is just too slow to take any risks.

There was an early alt-coin, http://freico.in/, which had a demurrage fee for holding, which was intended to incentivize spending over saving. A terrible idea if you ask me.

Long-term saving is the biggest selling-point for Bitcoin. If the value of savings went down by design, it would have never got to where it is.