Money is not at all safe in cryptocurrency, There are so many hackers around here who's only business is hack a wallet of bounty hunters to get money without doing anything.
I cannot say our money here in this business is safe that is why if I earn I will get my capital and invest the rest so my capital will be safe and my earnings are in the investment. I will not keep all my money here because there is big chance of losing like if I can forget the password or the private key and most of all it can be hacked.
Honestly if you know how to save your coins than it is the most safe option there is out there, if you really know how to use stuff like ledger nano and so forth or at least have a way of using rasberry pi or so with coins wallet inside installed with the coins stored or even go back a few years when the cash prints were a big deal and people had printed out their big number of coins in paper just like cash and they stored it there. I honestly think there are a lot of ways to keep your crypto very safe.
The encryption algorithm which is being used in all cryptos are safer until the invention of quantum computers. Other than this, our coins are safer until we have stored our passwords safer. Yes, first concern must be system after that all the responsibilities are within us to safe guard our cryptos.