well I have never seen a proper "stable coin" that is not heavily centralized. and being centralized I do not see a point in using them while there is fiat and banks that we can use freely without any risks of getting scammed, losing money and being forced to pay taxes just because you used a cryptocurrency.
Stable coins, while imperfect and liable to fraud and manipulation, could be an answer.
you said it yourself!!! they are liable to fraud and manipulation that means they are not the answer.
you are basically moving away from fiat (centralized to the government and stable and trustworthy) to an altcoin (centralized to a shady and unknown company which is probably even working illegally and can run away at any moment).