Access and liberty: money saved in exchange is very accessible provided you have your internet connection and you can transact anytime, any day, any hour if you wish to unlike Bank that sometimes will deprive customer from making use of their own money because of maintenance and some careless network issues, yes nothing is wrong with maintenance but it should be done in a way it won't affect customers and to be honest I feel relaxed and free whenever my money is in exchange because it very hard to get my seed phrase, pass key and the rest of them unlike Bank that someone can just penetrate without Bank sending you an OTP.
E be lyk say u exaggerate am but I get u broda. Bank fit frustrate person life, but we no get choice. If u comot d moni for exchange, where u go still put am spend? No be bank? That na why bank good well well, u no fit dey pay 4 wetin u dey buy all 4 crypto, na bank go still keep am. If na maintenance, go get 3 banks minimum, no be all of dem fit dey maintain 4 d same time. If na charges, go look for bank wey no dey do hidden and extra charges. Dem exist.
My advice be say make u no too trust exchange. If u go use dem too, make u use DEX.