The problem presents itself when you have dirty money to launder. It isn't a product for non-criminals but they have to convince enough gullible people to participate and blend in with them.

Crypto is how you can invest in crime without doing crime.

you can receive. you just need to set it up.

there are like 50 (many YC) startups fixing this today trying to offer your the best and cheapest service

Perhaps you meant: stablecoins are a scam in search of a victim.

If your employer does direct deposit of USD into your USD bank account, you don't need stable coins. This is not the case for most people outside of the U.S.

If you track the FATFs crushing of bearer bonds, bearer notes, non-KYC/non-AML offshore banking, and Hawala it almost perfectly tracks with the rise of crypto.

PYUSD is run by PayPal afaik.

I don't know what USR is, but I would prefer to be paid in USDT or USC if Wealthsimple supported it as deposit method. When I withdraw, I do Deel -> Wise -> Interac e-Transfer -> Bank -> Interac e-Transfer -> Wealthsimple. This is incredibly stupid and I am forced to buy Canadian dollars. For groceries or electronics, you can buy gift cards using crypto.