It's not kicking in. The utility was always there and very few people/institutions have any interest in using it. Whatever fee/time costs are inherent in the cu

It's not kicking in. The utility was always there and very few people/institutions have any interest in using it. Whatever fee/time costs are inherent in the current system are obviously worth whatever security and regulatory oversight they offer. Enough stable coins have collapsed to remove whatever credibility the entire idea of a stable coin may have. You're going to be the edge case for a long time.