As far as I know if USDT is stored on a large proven regulated exchange they usually have strong protections. However, there are still risks because stablecoins aren't 100% safe money. All stablecoins are at risk of being frozen at any time if a regulator requests it for a specific purpose. Correct me if I'm wrong.
You don't have to stop holding USDT altogether, but you should reduce your dependence and manage the risks well, especially if you're a trader who frequently holds stablecoins to store funds for futures trading. So perhaps it's more appropriate to reduce holding large amounts of USDT, as it's a good decision it's better to invest funds in Bitcoin than in stablecoins.
DAI stablecoins as far as I know cannot be frozen unilaterally because they are not tied to a centralized authority, so many people use this stablecoin instead of USDT or USDC.
For me as long as you don't do anything illegal then the stablecoin won't be frozen as long as your transactions are clean, it's just that I don't hold much USDT now, it's used only for daily transaction purposes.
