I believe everybody should know when their money is in the bank or with a centralized service that it isn't just sitting there the way they deposited it, when you log in to your profile or account you will see the exact amount you have deposited, but consider it money that you are "owed" by the centralized service, which they would give to you when you request for it, except if they run into problems like bankruptcy, or if they do not have enough in their reserves, then withdrawing the amount you can see in your account becomes impossible, which proves that in any case it wasn't sitting there the way you deposited it.
Do make sure the amount of funds you have in BTC is what you can afford to lose, 50% of ones funds looks like what's too difficult to lose, but it is a personal choice. In any case your BTC shouldn't be kept in any exchange, but safe in self custody, i believe if one successfully protects their BTC from scammers they can't lose anymore, except such a person is greedy and impatient.