Staking becomes risky. It is possble to lose all your USDT. Just remember the situation with Garantex. Such situation can happen with every exchange. And how it is possible to trust Tethere where you coins can be frozen.
It's not apple to apple when you took Garantex as an example, it's getting shutdown by the Government due to the money laundering. It's facilitated so many criminals to laundering their money. That's why when you compared it to the BingX, It's same like you're comparing orange to apple.
As for Tether, as long as you're not doing fraudulent activies related to the hacked case or something like that. Your money won't be frozedn by them. If people are worrying to use USDT, there would never be billions in circulating supply. The better to stop overthinking to the stable token because it's not as bad as you think.