Certain percentage probably removed their money after everything that has happened in the recent period, but majority will just continue business as usual. I know people who lost money on both Celsius and FTX and they still are still staking significant amount of money on Binance, being absolutely sure that Binance is safe and nothing will happen. When I asked them can they be really sure that same thing won't happen with Binance, they told me that even if something happens to Binance, prices will go down so much that it won't matter anyway.
And those people are not newbies at all.Like you said; your friend doesn't want to take responsibility, same as everyone who uses third party company and the companies are not exempted in this circle. Look at Genesis, they didn't take responsibility of going bankrupt, they have pointed out lots of businesses like; Three arrow capital, FTX and their dispute with gemini, as contributors to their downfall. The issue with these centralized firms is, they don't stay independent. They're all linked to one another such that when one fails a lot more of firms would have a dispute or two. Hence, considering people's trust on Binance exchange, that may not happen, if Binance should file for bankrupcy today, they won't take responsibility for their faults, you'll discover new brands associated to their failure. In a nutshell, these people are like minded both their clients, they want to blame others for losing money in the cryptocurrency market. So, nothing to worry about them it's the lane they want to follow.