I just dey surprise say you don stay for a while on the forum and you no never hear di phrase "if it's not your keys, it's not coin." Normally, banks get their own challenges but saving your funds on a CEX is not any better. If government shutdown the exchange, dem suffer security breach or go bankrupt, you go fit lose your money. Instead of saving on a CEX, e go dey better make you use a non-custodial wallet store your funds and whenever you want spend am, send am go exchange and trade.