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I think you are missing something here, so I will try to explain.
You must differentiate between an exchange and a wallet.
An exchange is where you buy and sell cryptocurrency i.e. a market.
A wallet is just what it says a wallet i.e. a place to store value.

The problem is that exchanges get hacked, and wallets don't get hacked.
So move your crypto to a wallet, and the problem is fixed :)
There's no need to transfer to cash.

thank you. but just having it sit on coinbase, isn't that using my coinbase wallet?

You are welcome :)
Coinbase is still an exchange regardless of them having a wallet. I would place them somewhere else.

like where? thank you

Haven't you read the post? Look at my list lol :)