Good One. I appreciate your concern and believes in PND
I have noticed lately; there are people who are in crypto world for short term benefits and few people who kept there PND safe in lockers just helping community staking and providing more network strength.
And that brings up another issue, the great new Panda Bank software Hybrid/Lite mode, that does not stake, or provide network security. It is being hailed as a great success, but in reality it weakens your network security and pays no interest to the holder, People are better off just leaving PND on the exchanges if they are not going to stake, at least then they don't have to worry about making backups in case their hard drive crashes.
Wow, that's not true. Some people had issues with staking in hybrid, for now it works perfect if you keep it in classic until they bring out a fix. Security is fine. Keeping coins on an exchange is just incredibly stupid.
Chance of losing coins on an exchange is at least 100 times bigger than on your own computer.