You trusted Binance but you don't give into other similar exchanges. If not that you tested Binance, how would you have know they are to be trusted. You just need to give other ones some change because I don't see any difference between Binance, Bybit, OKX and kucoin, they are the same company that offer the same service but just different cost of operation services, the fee Binance might charge you for lending money might be smaller than others.

In addition, if you fear centralized lending platform, why not go for decentralized platforms like compound finance and other ones, you don't need to trust anyone or fear of losing your money. It's a protocol with smart contract to do conditional terms. As long as you have what it takes to borrow and lend, you can do it on own your own without the effort of anyone but don't forget about liquidation if you are borrowing, it's highly risky.