Teachers who are interested can share their views.

Many people talk about stablecoin settlement, and the first reaction is speed, TPS, and finality. But when you actually use stablecoins as 'money,' you'll find that the more critical issues are often more basic: how are the costs of this system priced? Who bears them? Can the experience be as natural as cash?
On most general-purpose chains, stablecoins are in a very awkward position: you want stability, but you must first hold an unstable native Gas coin; you want to make daily transfers, but you are forced to learn 'top up Gas, estimate costs, congestion surcharge'; you want institutions to settle, but you have to face the combination of 'fee fluctuations + operation failure retries + complicated reconciliation.'