Exchanges like Binance, Kraken and Kucoin offers staking features but its not actually that much profitable like trading the crypto assets and when your assets are on staking period the value of assets can drop drastically which is the biggest risk associated with crypto staking.
You mentioned a very good point. Just as when we stack our assets, the price can go down, so we can't use these assets until the end of the staking period. So only if we have extra money can we think of staking.
Trading is more profitable but it is not suitable for a new trader.