I meant only that the subject of the article, Coinbase's architecture's vulnerability was the same as Chase's, instead of "your money at Chase is safe regardles

I meant only that the subject of the article, Coinbase's architecture's vulnerability was the same as Chase's, instead of "your money at Chase is safe regardless of the bug." You are correct, as they mention in the first paragraph of the article you are responsible for securing your own machine and wallet. Your USD is insured and covered by the FDIC at Coinbase and Chase. Theft is not covered by the FDIC at either.