If I let my guard open, keep my coin in a hot wallet or in an exchange where I do not own the key, then in my opinion I am not a true crypto user. You meant to have your own key, you meant to secure your wallet to avoid getting hacked and your funds to be stolen.

Have a hardware wallet or air gapped wallet. Secure the seed or private key in none digital format. Take care of it like you take care of a piece of a diamond or a gold bar. Your crypto will be safe. Don't blame others while you do not learn the basic of crypto.