Not sure why you have to be so snarky about this. Yes, USDT has dubious backgrounds/origins... but there are lots of other reputable proejcts out there.

You can take a look at USDC (https://www.circle.com/en/usdc) which is a Goldman Sachs backed start up. They publish reserve attestations very regularly (https://f.hubspotusercontent00.net/hubfs/6778953/USDCAttesta...) and its very easy to redeem the USDC (stablecoin) for actual USD dollars in your fiat banking systems.