Stablecoins on any number of low cost networks are fine for small payments (I haven’t lost anything, not even $0.01 in 10+years, vs tens of thousands in chargebacks, mostly fraudulent, for credit card processors).

I factor in 2.5% total costs for transaction frictions, historically that is a bit over 3x our actual average cost from payer to bank account, but it would easily cover the occasional loss of a day or two of sales in a catastrophe.

Pick a top 5 stablecoin that has a good reputation and at least 3 years, on a network with at least that, and settle your accounts daily, or whenever the accumulation represents a significant dent if lost.

The approximate aggregate risk-cost of major (top 10) stablecoins is somewhere south of .001% per day, and is better than the aggregate risk-cost of national fiat currencies, which unremarkably collapse or suffer catastrophic inflation and rebasing on a regular basis. There are frequently several undergoing this process at any given time.