Thanks to FC I've been diving a bit more into stablecoins lately and see a lot of the potential. But am I wrong in thinking that it mostly (for now) is just externalizing a lot of the costs/inefficiencies/regulations to the end user? Obtain wallet, buy coins, pay transaction fee, pay taxes, etc. Please forgive newb and/or stupid question.

Not a stupid question at all, this is actually one of the smartest ways to approach stablecoins: follow the friction. Who pays, and when? That’s where the insight lives