When internet first rolled out, we were using modems to put digital packets on top of analog phone lines.

Grandma heard about this new internet thing, but swore she would never need to use it.

One day Grandma picked up her phone and heard the familiar dial-tone, but didn't realize that they had replaced all the phone lines leading to her house....now that dial-tone was a .wav file playing a digital tone. Her entire phone connection was now a VOIP digital connection routing via the internet. From her perspective though, nothing had changed. She still didn't realize she was "on the internet".

The architecture had completely flipped. It had gone from an analog system hosting digital packets, to now a totally digital system which simulated the analog UI/UX interface.

Same is going to happen with legacy banking system. Legacy banks will just start hosting USDC/USDT but presenting it just as "legacy USD". Nothing will change from the average users UI/UX perspective.....debit cards will work, "Transfers" will work (but no longer using ACH, etc).

Those of us in the know, will realize we have jailbroken the system though...we will realize you can take those digital USD and move them to your own self-custody wallet and transact peer-to-peer without the panopticon spy ring recording all of your movements.

This is why its so important that Bitcoin continues to develop things like Taproot, and Tether via LN, etc. This change is coming and no matter how someone personally feels about stablecoins as a concept, the network that host it will cement itself to become a permanent piece of future financial system.