Most decentralized PoS chains (Cardano, Tezos, maybe Algorand) seem to fit the "safe + low cost banking" question. Well maintained Stables are your "safe hedges

Most decentralized PoS chains (Cardano, Tezos, maybe Algorand) seem to fit the "safe + low cost banking" question. Well maintained Stables are your "safe hedges". Warning, most stablecoins one would think of are not well maintained, some are actually badly flawed by design. Crypto has delivered quite a lot in these regards but one needs to get past the headlines and keep a clear head to get it.