I think one general thinking is that, for the bitcoin to be secure, it has to be in our own wallet, and preferably, a hardware cold wallet.
But at the same time, we would also see that 3% interest we can earn on our bitcoin gone every year, if the bitcoin is kept in some exchange.
Is there a way to solve this problem currently? But except maybe if there is a insurance system like FDIC insured, so that we can deposit our bitcoin somewhere, have it guarded against theft, and at the same time earning interest?