Problem with exchanges? Accounts are getting disabled? Servers are going offline? Too bad, there is one good exchange which solves all such issues. Use
shapeshift.io for your trades, you don't have to worry about anything other exchanges having their wallets under "maintenance".
You should never store your coins in your wallets. Use the wallets which gives access to your primary keys.
Exchanges never were, never has and never will be stable enough for users to trade without the fear of them losing their money.