But unless you are handling hundreds of thousands of dollars (or more) and you aren't acquiring your coins in some illegal manners (with stolen card/banking details, e-wallets), it's not a big worry for a regular user.
Or until your perfectly legal coins are deemed as "tainted" by some blockchain analysis firm working with the US government, which then puts pressure on Binance to freeze your coins, who are happy to do so since they also buy in to the provably false nonsense of taint.
Still, even with the centralized digital assets, I doubt you will wake up one day and see your balance is 0 or frozen for no apparent reason.
Unless of course
regulators decide that Binance are operating illegally or that the coin in question
needs to be shut down. You can quite easily lose everything when dealing with centralized shitcoins through absolutely no fault of your own.