I think that you can build a stablecoin without having a governance token (MAKER) associated to it. This seems to be just overhead so that the creators can make money. Of course this is legitimate as they put in the work.
But a stablecoin smart contract can be realised without governance. There is no incentive to build that as there is no money to be made, but eventually somebody will realise this and as a user the question then is why pay fees for something that is available for free. Right now the marketcap of maker is 6 times higher than of DAI. That does not seem healthy to me in the long run.