Am not a fan to using a centralized exchange but i have some likely reason i think some newbies or even experienced bitcoiners take for using a centralized exchange.

1. Some make use of a centralized exchange because they perform their daily trade on it and it's very easy for them to use and understand.

2. Some make use of a centralized exchange because there they always convert their fiat to bitcoin or bitcoin to fiat whenever they need to pay bills for their daily living expenses.

3. Some uses a centralized exchange because they don't know the difference between it and a decentralized exchange or how to engage one.

4. Some decided to just make use of a centralized exchange because they feels it makes no difference from any form of wallet or like the exchange and take the risk at their own will.