But that's the whole point. We have solved this problem for over 2000 years now using financial derivatives.

A farmer in ancient Rome did not want to undertake the volatility of grain prices when his crop eventually comes to the market, so what he did is sells his future crop to a fixed current price to someone who wants to undertake the risk of price fluctuations, and this way a speculator got the profit which came out of correctly predicting the future grain prices and farmer got a fixed predictable price.

Same goes with these currencies. A speculator might provide enough liquidity to your crypto, in return he gets a better deal for your coins.

Volatility is not as important when you have real-time exchanges. You can choose to instantly convert any currency to any other currency of your choice - you can choose your volatility tolerance . In the past, that was an ardous, fee-laden process. Now it is becoming more free & seamless due digital tokens. ERC20 should continue making it easier.