Considering the fact that Bitcoin has doubled on average yearly, every stability scheme is just a way for an exchange to siphon off sats from people. You could increase your net-worth by just holding BTC (e.g. for 5 years: $20k, $40k, $80k, $160k, $320k). But put that $20k into a stability scheme and you'll only have $20k worth of BTC at the end.

The ship (USD) is sinking and being anchored to that ship is a good way to drown.