Hello,
I know you should always have your coins on a hardware wallet.
But for my trading position I don't want to put the coins on a hardware wallet because that would be too cumbersome but I want to distribute the coins on several exchanges.
In your opinion, what are the most secure exchanges in the world, i.e. where can I be most sure that the exchange will not go bankrupt, be hacked, etc.?
Yes, this is true. Hardware wallets are safer than all central exchanges that are vulnerable to hacking, bankruptcy, and others. But if you want to trade, I advise you to trade on top exchange platforms such as Binance and Coinbase. It has a reserve fund in the event of any accident to compensate affected users, but do not send all your wealth at once, but In parts and at separate intervals, and you must read the terms of use well before you deposit your funds, as Binance warns its customers not to trade with countries and individuals subject to sanctions and it takes this condition seriously, and you must verify well the source of the funds that you will deposit on these exchanges, because if they discover that the source of this money is illegal, they will immediately freeze your crypto and permanently ban your account. Therefore, you must read their terms of use and adhere to them.
Of course, hardware wallets are incomparably better and safer than centralized exchanges, but you should not blindly trust all manufacturers and what they say. Closed source devices are just as questionable as centralized exchanges, even well-known and big ones. All exchanges brag about their reliability, up to one unpleasant moment. The same thing may well happen to some devices.
Top exchanges inspire more confidence, but as history reminds, this doesn't guarantee anything either (Mt.Gox, FTX). I would not be 100% sure of the availability of reserve funds until it is confirmed by serious and respected audit companies, or better, several.
Regarding the conditions of exchangers - they can at any time come up with any reason to take away your money and agreeing to their terms, each user actually remains vulnerable and dependent on their decisions.