Why USDT won't be a black swan due to MICA regulation?

1 The EU is a considerable market yes, but it is not even the 2nd largest it would be the 3rd if anything and not all of that is USDT.

2 MiCA is poorly written and it is clear that those who designed it do not understand blockchain well, nor DEXs like Uniswap or CEXs like binance (what is the point of banning USDT if from the same chair where you exchange it you access the rest of the world through DeFi it is obviously easy to bypass that ban) they do not end up accepting that you can no longer have a monopoly on financial services it is no longer possible to deny an account to someone a mobile phone is required and that's it

3 Even if you register one or another wallet because of the travel law you only have to create another 100 wallets and you are ready to use centralized and decentralized exchanges...

4 Europe is not and will not be the capital of information technology not for many years its regulations are made by old people with all due respect they do not master current technology and the one that is coming is even more vertiginous according to that they want to regulate something that they do not master and it mutates in a matter of months (their regulations take many years to be created and a month to come into force They accumulate a list of cases that were clearly not foreseen, making a mockery of that very expensive MiCa regulation that is clearly paid for by the European user)

5. Can we continue using exchanges in Europe only for the purpose of "protection" what are we going to demand in exchange for privacy? It remains to be seen who will pay the costs of this, if it is the user, for this reason alone, Europe will be even less competitive in this sector

Summary There will be volatility on December 30th but not a catastrophic collapse

Imagine someone getting into debt in USDT to buy some crypto today... if on December 30th USDT loses parity and you immediately pay the debt earning what it depreciated and if it doesn't lose parity then nothing happens you just pay the interest for a few days

Any well-founded opinion?