A centralized cryptocurrency is usually safer for its users in terms of hacking.
I do not know where you came this information, but "don't put all your eggs in one basket " proves your mistake.
When the platform is central, this means that any breakout will result in substantial losses and intensification of protection on the central point.
Just like banks, one hacks every few years, but its losses need decades. Also, it creates a hole in the protection system.
but how about possible Government restrictions?
Are they easier to ban?
Yes, take this site as example
https://thepiratebay.org/