Here in the Philippines we could use our local wallet called coins.ph to buy load pay for our electric,water and credit card bills and even book for travel.
wallets on an exchange are not secure.because exchange trade millions of bitcoin per day,they are prime targets of the hackers.so,create multiple backups of your files that are related to your coins.create back of it with passwords,zip file,whatever you can do to make sure no one can access it but you.