You are basing that off of what, exactly? Nothing... They do have recourse under the law, unlike in crypto. And if you hadn't noticed, they kept it on an exchan

You are basing that off of what, exactly? Nothing... They do have recourse under the law, unlike in crypto. And if you hadn't noticed, they kept it on an exchange so they could get interest off of the coins, so what difference would it make to them to store them locally? They aren't trying to hold crypto, they are trying to seek an immediate return.