Yeah, it is scary to be your own bank and unless you have such a large sum, it isn't worth the aggravation to worry about all the things that could go wrong.
Might as well just park the crypto in an exchange and accept the risk.
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I do believe in not your keys not your coins but I totally agree with you, if you got a few bits you don't really care about leave it on the exchange and sell it when you're ready. I don't see a right or wrong way to crypto, just the way that makes most sense for you. Thats why I don't like to give out crypto advice, mine will be awfully bad for others because I am so invested and deep into it, Im 5 years ahead of someone coming in now so my advice may not be what people need right now