Stablecoins, to put it simply, are "trust compression packs," usually no one bothers to unpack them.

Once someone yells that the redemption might not be enough, everyone's hands start to shake, and a bank run happens faster than on-chain congestion...
Then gas fees also skyrocket, and my address queues up to the point of doubting life.
Transparency of reserves is really not just a face project; it’s best if people can understand at a glance: where the money is, how it’s stored, when they can withdraw it.
Otherwise, no matter how many audit reports there are, they can't stop the group from saying "Run away."
Modular/DA layer storytelling makes developers ecstatic, but users only care about: can I withdraw? Don’t freeze my funds for half a day, don’t make me pay extra gas.
Anyway, my current worry-free approach is to diversify storage, keep some on-chain change as "escape funds," so that if something really happens, I won't die over transaction fees.