This is why many crypto proponents will say things like "not your keys not your coins" which means, do not hold tokens in a custodial service without understand

This is why many crypto proponents will say things like "not your keys not your coins" which means, do not hold tokens in a custodial service without understanding the risk. Many advocates of decentralization and blockchain do not want to support centralized services like Celsius. This is an area that laws and regulation could be added to protect users. If a service is holding user funds, there should be recourse to allow those users to withdraw the funds to a base layer, or if the funds are at risk of being frozen as we see with Celsius, this should be more clearly indicated. FDIC style insurance could be addressed in some hypothetical future crypto banks, giving users further protection.