] The "reputation" of an exchange wasn't what I meant. When you send coin to an exchange, if you don't have access to the private keys, then you are giving them the coin. The now own and control it. While a reputable exchange, will give you use of that amount of coin, you're still not actually in control of that coin (just like a traditional bank, they set the terms of when/how much you can transfer, if/when you can even access that amount, etc.). Even "innocent" things can have an impact (i.e., more than 1 exchange has had repeated sign-in issues lately - If you can't sign-in to that exchange and you don't have the private keys, then you still can't control what used to be your bitcoin).