I get and agree with the sentiment but for the people that operate with a Bitcoin savings, Bitcoin checking, and fiat checking. It would be helpful

It's a kyc exchange so there are already plenty of nonos taking place

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You should still be moving to your own hot wallet or Lightning self custody to spend it. Fiat balances, well, every fiat bank is fractionally reserved and insolvent, so, that risk is anywhere. Assume it is 9:1 under reserved and act accordingly.