In addition to everyone worried about the potential for banks to settle in stable coins (EURT) for example:

This would mean that if Bob of bank A wants to send 100 EUR to Alice of bank B, the banks would use EURT to settle this transaction. They would deduct 100 EURT from the account of bank A and add 100 EURT to the account of bank B. Both banks would than update the accounts of Bob and Alice. For banks at this moment it is much better to settle in stable coins, as they can not afford to run the volatility of XLM when doing settlement.

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While doing these transactions the banks would still need XLM to pay fee's and have a basereserve of XLM. If banks would start to use stable coins at massive scale on the stellar network, there would be a really liquid fiat market towards and from the stellar network through those anchors. This will greatly benefit the network.

What I expect to happen in the coming years is fiat money to destabilize. The more it destabilizes, the more people will want to hold trustless assets like xlm. There thus will be a transition period, where the stellar network will enable a transition period from fiat money settlement to crypto settlement (xlm).

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