You invest by HOLD. If you trade with exchanges, that's just speculating. Also not your key not your coins. The money will be lost eventually with rug pulls,

You invest by HOLD. If you trade with exchanges, that's just speculating. Also not your key not your coins. The money will be lost eventually with rug pulls, scams, or hacks anyway. Password being compromised is the least of the worries. Offline wallet making it slow and difficult to transact is a feature, less chance to be scammed.