Easier and safer than most think.No one is responsible for your own funds but you. Trusting exchanges isn't the smart move, otherwise, why are you on board with this entire decentralized finance train? Might as well stick to your local bank.
Majority are not in the cryptocurrency space because of the decentralized nature of finance but because of the profit they are able to make in a short period of time. The reason people welcome centralized coins if they are able to make profits is testament to my theory and so is the reason many people make the mistake of holding their funds in exchanges rather than holding in their own wallet which is always the safest bet.