I played in LTC Casino a year ago then self-excluded myself. 0 problems with deposits/withdrawals. However, when I'm testing new casinos, my max dep is about 500 usdt, the sum I am ready to lose in case I get scammed. The same I can recommend to other gamblers - determine money you can lose, before registering in a new casino.
Maybe the luck you had was play in a casino a few times and then abandon it for a new one. What some of these casinos do is to first pretend as though they are legitimate and then just as the users start trusting them and making huge deposits, they pull off an exit scam. A perfect example of such as casino was Betnomi
But you are definitely right about one depositing what they can about to lose in just about any casino or online service. Things change so fast here.