I totally agree with you, i think that 80% traders keep their tokens on the exchange rather than in their wallet, but as per the 2nd quoted message, this will change for sure with ETERBASE, the Crypto Debit cards will change the game
That's the main point.
Users need a solid and secure trading platform. To be honest (as a miner) sometimes I'm using exchanger's wallet address to receive payment from the pools (reducing transaction fee)
