This is sorely needed in the DiFi space, not only in Terra/Anchor.
$1000 USD fiat (say, with KYC) > $1000 USDC (on public block chain) > $1000 UST (public block chain). … [5 years at 20% paid in to another wallet] … > $1000 UST (public block chain) > $1000 USDC (on public block chain) > back out to $1000 USD fiat.
No gain, no loss. Nothing to see here.