The amount you keep on a Casino or an exchange can be a few million if you are worth hundreds of millions.
the percentage of you wealth is what matters.
So if I have 1 btc worth 108k
I should have 3 safe wallets with .3 btc on each them
and or .02 btc on a casino
and .04 btc in exchange A
along with .04 btc in exchange B
Did you mean 'or'? Otherwise the numbers don't add up. That is, option 1, 0.333 btc in each of the 3 wallets. Option 2, 0.2 btc in casino and 0.4 in exchange A and another 0.4 in exchange B. But yes, I agree that it is a question of ratios depending on your wealth.