bitstamp fiat deposit safety

[alex.km]

hey I am new to Bitcoins, and in the wake of the recent $65M heist on Bitfinex, I am a bit concerned about getting into this.
I wanted to get started in the Bitstamp Exchange. I know that you can store bitcoins in your cold wallet and have them secured.
With many exchanges you have to first deposit fiat money and then buy bitcoins using those. So I wanted to know how secure is this deposited fiat fund? Is there anything like a cold storage for these? I want to deposit some cash right now, so that I can buy bitcoins right away when I feel like it sometime in the future. But the thing is that I wouldnt want the cash to sit there online..you never know with these heists.
Any help is greatly appreciated! 

[achow101]

The fiat is stored in their bank account. Usually their bank will take care of any fraud and such. The money is also usually insured. Since fiat is controlled by a central authority, then can easily reverse fraudulent transactions. Your fiat will be fine. On the other hand, with Bitcoin, you should only keep on the exchange as much as you are willing to lose.

[Sharky444]

Keep in mind that in the past several exchanges have closed down and customers lost everything, including FIAT.

[narutushipu]

Keep in mind that in the past several exchanges have closed down and customers lost everything, including FIAT.

the best high volume transaction exchanger all suport deposit and withdraw fiat money and bank transfer
huobi, okcoin support deposit and withdraw fiat money bank wire transfer, and still the best exchanger

[Sharky444]

Keep in mind that in the past several exchanges have closed down and customers lost everything, including FIAT.

the best high volume transaction exchanger all suport deposit and withdraw fiat money and bank transfer
huobi, okcoin support deposit and withdraw fiat money bank wire transfer, and still the best exchanger

What has this to do with the fact that if an exchange is hacked all the FIAT that you hold on that exchange will be gone. This is because most hacks are internal jobs.