Nothing needs to be feared in crypto, because everything we do must have risks. Because the possibility that happens a little if we save coins in the wallet online and at one time the site will disappear, actually I am not afraid because there is no way that could happen.
there is a small chance that could happen.
There are some coins who have their own wallet like having their own blockchain.
If the project is a scam it will sure be gone sooner or later.