DAI is a decentralized stablecoin. You can find more about DAI at [CoinMarketCap](https://coinmarketcap.com/pt-br/currencies/multi-collateral-dai/), at [Maker Whitepaper,](https://makerdao.com/pt-BR/whitepaper#the-dai-savings-rate) and at [Maker Documents](https://docs.makerdao.com). It is paired with USD, so 1 DAI = 1 USD.
However, I don’t understand the benefits of using DAI to save money, for example, if I have to pay a Stability Fee. It seems to me that the fee is expensive.
I was planning to buy DAI instead of buying USD on a regular exchange because i) buying DAI is simpler and ii) I don’t have to pay for the governmental taxes.
I am new to this subject. Do any of you have an answer?