I have the opposite take. I see CZ as being very reserved and low key because that's what smart grifters do to stay under everyone's radar. He's operating a casino, and knows that virtually everything he is peddling is garbage. He even cooked up his own vaporware coin.
As to the harm done to people when/if binance collapses... I mean honestly I have sympathy for anyone who loses their shirt to a scam, but it's 2023. How many centralized exchanges have to rug people before the lesson is learned? If you are using money for anything, ESPECIALLY investment, you perform due diligence or you probably get rekt. I wish it weren't so, but that is reality.
Anyone who gets hurt by giving an exchange their private keys today either knew and acknowledged the risk, or needs to learn the hard way. And in either of those cases it's a self inflicted and entirely avoidable wound.
If any large exchange goes bust it will precipitate a distribution event, where cheaper sats will flow to those who respect the asset enough to self custody. This is great for Bitcoin in the long run.