Exactly. Stablecoins make zero sense.
Unless you are also trying to prop up the us government by buying treasuries (us based stable coins)
you can send them around easily without having to deal with bullshit payment systems
Stablecoins enable cash-like (instantly redeemable and verifiable) payments for large amounts, for almost free.
In EU countries, you can't now buy a car with cash. You have to buy a bearer's check from your bank, which is expensive, requires that both parties have a brick and mortar bank, and doesn't work cross-border. Stablecoins solve this.
Unbacked stablecoins like USR make no sense - but USDC is one of the few real uses that crypto has.