I was preeeetty sure I understood the "room-temperature superconductor" analogy but I ran to ChatGPT just to make sure. Here's ChatGPT's explanation of PC's usage:

A superconductor is a material that can conduct electricity with zero resistance, meaning no energy is lost as heat during transmission. However, this usually only happens at very low temperatures, which is why the discovery of “room-temperature” superconductors (if they could exist) would be revolutionary. When Patrick Collison refers to stablecoins as “room-temperature superconductors for financial services,” he is making an analogy that highlights how stablecoins can streamline and improve financial transactions. Just as a superconductor allows electricity to flow perfectly and efficiently, stablecoins enable fast, low-cost, and efficient transactions across borders without the typical friction (such as delays and fees) seen in traditional financial systems.