You made your point dude! Exactly, crypto is highly risky investment and it can be stolen or hack anytime and we are responsible for our coins. There are so many exchanges that were hacked since the start of crypto. I think the most secure wallet that we can store our precious coins is the offline wallet wherein no hackers can reach your coins.
But I think the best to do is to not store coins for a long time. Sell the coins when its price goes high and spend it in tangible investment and make profit out of it.