I would say we agree more than disagree about use cases. Merchant adoption of cryptocurrencies (whether stable value or not) seems to be mostly a solution looking for a problem but people wanting to hold stable value for a variety of reasons is a demonstrated huge market.

It is fair to be skeptical of stablecoins (in some ways I am as well) but I would say this is more than anything an ongoing experiment. The are big challenges but also big opportunities.