The deeper concern is there are many actors who discourage holding your own keys and even incentivize not doing so.
Not your keys, not your bitcoin. It's not a meme. Well, it is a meme, but it's a mean based on facts.
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Discussion
it makes absolutely zero sense to hold bitcoin on an exchange. unless you're waiting to get to a million sats or so before you withdraw, i don't see any other viable reasons.