The thing is, you're right many times until you're wrong. Unfortunately when you're wrong, it can be catastrophic.

... is a pretty good approximation.

The problem is that you don't care if a stablecoin collapses tomorrow; you care if it collapses in the next 50 years and "the stablecoin hasn't collapsed in 50 years so it won't collapse in the next 50 years" obviously doesn't apply.

For technology, that assumption is more likely than not, in a general sense.

https://en.wikipedia.org/wiki/Lindy_effect

Value of an asset doesn't really count as technology though. The technology of UST/Luna still "works" even though the value crashed.

UST was intended to be a dollar-pegged stablecoin. The failure of its dollar peg was certainly a failure of technology, because a "dollar-pegged" coin that is not actually pegged to the dollar is not a "working" system.