I use a blockchain wallet that lets me instantly switch between "USD in a Bank Account" to "self-custodial USDC on a blockchain" and so can you: https://apps.apple.com/us/app/fuse-solana-smart-wallet/id647...
I can also move the funds into a connected debit card so I can spend it in the real world.
This wallet is powered by Bridge.xyz which was acquired for $1B+ by Stripe in Fall 2024 - would encourage you to try the new stuff!
>>I think it would be interesting if someone could invent a stable coin cryptocurrency with low overhead that enabled some of these use cases
We are thinking about this and building in this direction with Paygo.wtf
Here is one we are working on: https://paygo.wtf/