Sometimes people do not have the choice to do so if they can't help but still use custodial wallet/centralized exchanges. I got to admit that I use custodial wallets that are primarily localized here in my country since I needed their service to buy me a mobile phone credits, shop online and other usual stuffs I can do with fiat without having to go outside.

If there is someone else that I would advise the same as yours, it would be that if s/he will hold a money in an online/web wallet, at least just do it if it will be used immediately otherwise just avoid it at all cost.