My bitcoin is safe as always in my online wallet, i also think that it maybe stolen or hacked sometimes that is why i don't put it in just one account, i cashout some of my bitcoin and the other i put in my alternative bitcoin wallet also and i install antivirus and spyware to my pc for the best extra precautions.
You are right, bitcoin is much safer because of the fact that it is usually put in a online wallet that have a private key before you can open it, while in fiat usually it is being stored in a common wallet and it is easily to snatch or steal it.