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.
Don't be so sure of any site to keep your funds safe for you, If you need people to help you keep your funds then you should to your native banks, the major reason for blockchain and cryptocurrency is for you to be the sole dictator of your funds.