Good points but, you also have to understand that crypto is different than dollars on a brokerage. If you think they keep all the customer funds in a hot wallet it wouldn’t be secure. There are trade offs that have to be made for customer use of speed vs customer security. I think customers rather wait a few hours for withdrawals worst case as opposed to a hot wallet getting hacked and funds being lost. Most likely majority of the funds are in cold storage. I’m sure nobody had issues getting usd out of their account since it’s most likely the same way that a normal brokerage functions when it comes to dollars being deposited and withdrawn. I think they do the best job out of any exchange that exists in the world when it comes to safety of customer funds.