If matter is so stable then it will also not interact. If it doesn’t interact then lots of other interesting things like life cannot develop. You won’t have things like stars/sun etc. Chemical reactions are harder to take place or don’t take place at all. So nothing happens and the universe is pretty boring undifferentiated soup of very stable stuff. (ELI5).
For things to happen, there is a need for some instability. Instability gives a “direction” for things to happen.
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