These articles often seem to miss the fact that there are much more modern cryptocurrencies these days that are stable because they are tied to the price of a f

These articles often seem to miss the fact that there are much more modern cryptocurrencies these days that are stable because they are tied to the price of a fiat currency like the USD, and much more efficient and green than Bitcoin. This still poses the question: what about anonymity enhanced cryptocurrencies like zcash? Why are these legal? Furthermore why are unhosted wallets legal as well? It seems like FinCEN is fine with them so far and do not treat them like VASPs (so not affected by the travel rule). Why?