If you are the one with a password aka private key to an address that holds the coins on whatever reputable chain, then you are the sole owner of said coins. It

If you are the one with a password aka private key to an address that holds the coins on whatever reputable chain, then you are the sole owner of said coins. It's that simple. Things get complicated, ironically for the sake of being less complicated, when there is a centralized authority in the middle who holds control of those addresses and their respective private keys. I use centralized exchanges plenty, and I am also aware that it defeats a large portion of the whole trustless money thing. Therefore, I also keep crypto offline in cold storage. Those addresses and the coins involved will go with me to the grave or until someone threatens me with a hammer.