People have been saying Tether is gonna crash since late 2017 and that FUD directly helped cause the cryptocurrency crash of late 2018. People that would’ve swapped out of crypto into tether swapped out of crypto all together when they lost faith in tether. But look, tether is still around and doing fine. It has held it’s value of $1 for most of the time. People say it might not have it’s full reserve requirement of 100% dollars. But banks in the United States normally operate with a reserve requirement of only 10%. There are also a few different tether replacements available for people to swap into now.