Very nice point! Bitstamp is one I use an a regular basis and one of my favorites. That said, they make the decision when and when you can not remove your funds. My own daughter put $2500 on bitstamp and once it had grown to $30,000 in value, I instructed her to transfer the $30,000 from bitstamp to her hardware wallet. The point is to be your own bank and do not let these exchanges control your crypto. I highly recommend putting the bulk of your crypto on the hardware wallet. Have a great day.