Why not using cold storage. I used ledger. My ratio is 50/50 with the exchanges.
USA for me. I suppose I'm blessed, because the worst I deal with is 48-72hr hold on our paychecks when my wife and I deposit them. An irritating experience after seeing #Bitcoin in action. Both via on chain and Lightning.
Additionally, I'll add the entirety of my interactions with #Coinbase whom froze our account and funds for "Suspicious Activity" for four month, after we started a mad dash to save as much of our time and energy as possible in #Bitcoin. I'm trying to close my account, which I haven't used in probably ten months now, and they just put a 72hr hold on transfering 32000 Sats to a LN address.
So happy we found nostr:nprofile1qqsza56ed667de7q6mu6uxspetg7gzadqtkeug3plserzcj2nz6vc7qpz9mhxue69uhkummnw3ezuamfdejj7txdgdu for future stacking.