centralized wallet or exchanges wallet actually safe if we set maximal security setting on our account, many account holder didnt care about their account security. meanwhile in dashboard we provided by many setting to secure our account, for example trading password , 2 factor authentification both in phone number or google auth. if we set these setting i am sure no one could hack our account cause we have multiply layer security.
I think you have a point but let's look at it from a different perspective. one typical issues is convenience. How are you going to feel when you have to go through stress (KYC) to access your own money? Situations like this can make you loose your find. These are some of the reasons why we always recommend non-cutodial solutions. I personally use Atomic Wallet and I can easily export my private keys and recover it on a different wallet. This is exactly what we call freedom