So how is Taro not just a rugpull factory?

I very much agree with @nostrich on the need for a stablecoin, but we need like one or two of those to match&bridge the current mostly dollar backed world. We don't need hundreds or thousands of stablecoins - that would defy the point completely.
So why do we need whole framework, platform and a protocol to create stablecoins (and other coins)? What are other valid usecases for Taro?