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RE: EARN interest with your Cryptos while you HODL.
Yea I heard binance did this when they recently got hacked, which also people said "it's safe" if I ever have any substantial assets my wife and my cat will have access 😂
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You're right. Nothing is safe when it comes to exchanges and things like this. Nevertheless, you got to risk something if you want to make something. I wouldn't trust someone blindly. I do some research and go with the feeling I always go with.
I do know some big whales that use these platforms and they're successful for now. No hackers, no spaghetti, no goats. But maybe they will come in the future. Especially the goats. They like to capitalize on that for sure.
Storing your Cryptos offline is the safest way. 100%. There's nothing to argue about that.