It's crazy to think of the free money they are getting when the stable coins fluctuate. Average investors in these things don't have the ability to buy 40,000 coins at once can't do what the companies can by buying massive amounts when low and selling it when the peg goes above. Scary stuff, thinking they will scam people who think they can invest in them in a positive manner but end up getting scammed in the end.
It's also important to note that if they go insolvent they don't owe anybody anything. There is no regulation in this space. The contracts are quite clear: they accept zero responsibility or liability.