CZ stepping down as the CEO by no means tells that Binance's future is dark or the exchange will be less popular as time goes on. This is not going to happen in my opinion. It is not easy to shut down binance worldwide when it is the most liquid exchange at the moment. Also, I don't think the Blackrock or others may overcome binance, outside the US binance market is too much strong.
Well, I don't know whether we have any reliable source of info on Binance actual liquidity, but media have been reporting on customers pulling out around $1 billion of assets after the announcement of the settlement was made.
I think Binance has been managed very well so far, with no evidence of them pulling any stunts like fractional reserves banking or similar things. But the agreed penalty is huge and we don't know what payment arrangements have been made. I'd imagine the payments would be spread over longer time, but the impact could still be crippling if the customers get spoofed and the volume drops significantly.
On top of that, as discussed earlier in this thread, Binance have not only had problems in the US but also in multiple other countries as well, so we don't know if there will be any further penalties and if Binance will ever return to markets they had to pull back from.