Honestly if you don't have confidence in USD to survive your holding period, I wouldn't buy it. Right now it is intended to track USD. Yes that could change, but if you don't trust USD you shouldn't trust something that tracks USD either. The idea of switching peg would be to preserve utility going forward (hyperinflation makes a currency nearly useless), but you shouldn't infer from that a promise to protect HBD holders from taking a loss if USD collapsed.