Why convert USD to USDC and back again, and get two currency exchange dings, on top of the blockchain transfer fees... all for the privilege of still needing to

Why convert USD to USDC and back again, and get two currency exchange dings, on top of the blockchain transfer fees... all for the privilege of still needing to trust Circle (backed by the sinking ship of Coinbase) when you could just do a cheap and simple wire transfer. Same amount of trust, but less fees and the trusted party is more trustworthy. Edit: Come to think of it, you'd need to trust both Circle and whatever cryptocurrency exchange.. in addition to your bank. With wire transfer you just need to trust the wire and your bank. So two parties vs three. Wire is actually more trustless!