Smart people should know how to keep their money. I think we talking about safe keeping, so not jist exchange site, there is other services that can easily crash in some moment. People should be ready for worst situation that can happen, that way everyone will try to protect their money in best possible way. I think its not hard to spend 10 minutes and download some good walllet, that 10 minutes can save you from big agony. When I started with bitcoins transaction fee was too high for my earning, and I felt how I lose a lot on that, its better to protect your money with little losses, then to stay without all money you had.
Yeah you have a good point for me i choose a wallet that i can backup my private keys and seeds so that i can install my wallet anywhere or what wallet company i want to install it.. like on electrum i backup my wallet .dat and seeds and private keys once the electrum server or that wallet are crash i can install my private key to other wallet like bitcoincore or mutibit.. so you can be still recover all your bitcoins..