TARO is a tool just like hammer. You can use a hammer to build a house or kill someone with it. Today people using lightning network to transact but want the value to be stable use Tether or USDC which is bad . Why not use that inside lightning network? I honestly think if we as a community do a good job in educating newbies, calling out scammers and do some self regulation then I think we can reap benefits out of it. This article explains it better: https://bitcoinmagazine.com/culture/decentralized-bitcoin-backed-credit