I’d suggest going forward Anchor should get rid of the a(stablecoin) token and make it so there is no representive token given to holders which can be used as collateral elsewhere. The issue is that perpetually increasing interest bearing stablecoins will ALWAYS create greed and looping mechanisms which puts increasing pressure on earn rates.
Going forward on phoenix mainnet, Anchor should have a deposit side for USDC and USDT and have no a(stablecoin) equivalent.