One of the best pieces of financial advice is don't ever let your money out of your sight (your wallet). That means unless you are 100% positive you know who you are sending funds to, don't do it. I would only recommend trusted exchanges (watch for fake exchanges that someone can randomly DM you about on Discord), and a wallet that you own the private keys to!
You make some important points but using a recommended trusted exchange site doesn't prevent people from getting scammed if the person is not well informed and has an adequate understanding about how crypto scammers operate not even these days that CoinMarketCap experienced a data breach and Binance going through backlog issue.
This reminds me of when some Binance user was scammed through telegram, as they said knowledge is power and this is what's needed to thrive in every setting.