Although I understand your point I find it a bit troublesome if we have to move money in, make a transaction, and immediately move our money back out again for fear of having the exchange take our coins.  That would seem to be a bit of a problem for the whole concept of an exchange if this is the safeguards that are necessary which of course wouldn't work anyway.  As mentioned in a later post the exchange can go down at any time.  All you are doing is reducing your exposure but that does nothing to deal with the actual problem which is the disappearing coins.

Although it happens in the regulated world to, there are protections for investors to some extent.  If the crypto world is ever going to be accepted as a legitimate business you can't have everyone fearing the constant theft of coins.  Fear leads to hording which leads to reduced transactions which leads to dead coins.  You can say it is our fault for putting money somewhere or such and such but when your coins simply disappear that is theft and that is a crime.  It isn't the victims fault that they got robbed.  Someone had to commit the crime.

I have to add that it is bit funny to me that I've got the vast majority of my net worth held at regulated exchanges in the fiat world and I have not encountered this problem yet in over 25 years.  Three months into the crypto world and I've been robbed of some coins twice.