Both gate.io and crypto.com look like total scams to me. Never heard of them before, but they are just more centralized exchanges, right? Just a matter of time

Both gate.io and crypto.com look like total scams to me. Never heard of them before, but they are just more centralized exchanges, right? Just a matter of time before they go under. I don't understand how people still fall for this stuff after so many years. If you want to buy crypto, go to a reputable exchange, buy it, and transfer it to your own wallet asap. Then do the rest of transactions/trades/whatever on-chain and stay way from these centralized things. If you did that you wouldn't have been impacted by any of the stuff that has happened this year (other than the price of course).