The consumer benefit would be when merchants start charging lower prices to payers if they use crypto. For example, I know many small businesses that offer lower prices, some on purchases as large as $9k (below AML limits), if paying in cash because it's easier to declare less in taxes when using cash. Likewise if a merchant realizes that they pay lower fees and have lower loss on stablecoin transactions, I can see a world where merchants offer discounts for those transactions.

Obviously time will tell if there's enough margin to even offer a valuable discount to the purchaser and if merchants will become savvy enough to offer this dual pricing scheme.