Agreed but they will get complacent or lazy eventually. Alex/Celsius and SBF/FTX were major degenerates Coinbase and Binance are definitely more intelligent but they will fall apart eventually. They always do.

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Coinbase has USA on lock

Binance has Africa on lock

Its a movie...

Shakepay has Canada on lock but they’re a pretty good extange they promote cold storage and give everything they make back to their users. (Only available I’m Canada) I swear every Canadian crypto user uses Shakepay.