Yes hackers are smart nowadays however if we are very extra careful in all of our accounts hackers don't have any way to get in. We are the ones responsible to our own security and that we must be very careful about it.
Saying that, that means that these hackers are not really smarter than these exchanges since most of their developers of the security can do hacking meaning they know how to hack so they can stop their site from hacking.
What I am saying is that they are not really smarter than these exchanges but smarter than us, users. We are the most vulnerable when it comes to transacting the reason why we need to be careful. Exchanges has their securities, do us users have our own securities? No, but we search for solutions to take care of them.
These hackers are not smart, they are foolish people and greedy people taking earnings they did not toiled for.
They are smart, in fact they know how to decrypt a password but we users don't know how. They are not foolish, as I said they are smart, maybe intelligent or genius but what they are doing is wrong. They are using their knowledge to do a crime.