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There is no guarantee that the USDT will be worth 1 USD tomorrow. The only guarantee there is, it will never be worth significantly more than 1 USD.

Agreed, strongly. Strong caution against leaving one's nest egg on a crypto exchange in a unregulated, potentially defunct financial instrument. It's not real dollars and there's no insurance on it. Cash out crypto on LocalBitcoins.com slowly at peaks in price, maybe $1000 at a time. Wish you well and may God Bless You.