I'm at Bitfinex at the moment, however I'm thinking of going back to Binance; giving me more options for stable coins.
Please do not keep your coins in an exchange. If anything happens to the exchange then you are going to lose the asset.
I agree with your point of view, we should not keep money on exchanges. If hackers hack the exchange, the investors will bear the risk, and the exchanges may not refund to you. Use a physical wallet or cold wallet to keep your money.