Holding your coins on an exchange is convenient. You don't need to worry about protecting your secret phrase, all you need to do is remember your password, which is not difficult to do. And even if you lose your password, you can simply recover it through your email. As convenient as that would seem, it takes power, ownership and control away from you. It is this same convenience that the banks gave while they used customers deposits to enrich themselves. What is worst of the banks is that they no longer even offer the convenience because they became an integral part of the system that the economy will crash without.
In my opinion, storing cryptocurrency on an exchange is similar to storing money in a bank. Both are centralized and full of offers and promotions that actually benefit the banks. Especially, when we deposit a lot of money in a bank, they will be constantly offering offers, even coming to our house, which is very annoying. So, I think comfort can be felt when we have complete control, and nothing can interfere with that comfort. Well, I know this is somewhat contradictory to what the OP said about comfort itself, but I just wanted to express my feelings or experience.
Back to the main topic. I completely agree with the OP opinion, that comfort doesn't always benefit us. Comfort can sometimes make us neglect to realize the importance of being skeptical. Essentially, our brains work better when we are not too comfortable, and that can influence our mindset in the (decentralized) crypto world. Personally, I almost lost my wallet because I didn't back it up, and I remember feeling trivial about it at the time. One time, I needed that wallet, but I forgot how to back it up. After much searching, I discovered I'd carelessly written it down on my phone. I should have backed it up properly. Luckily, I found it backed up.
The point is, we shouldn't get too caught up in comfort, and we shouldn't be influenced by it. We can become careless when we get too comfortable, especially when using centralized services too often. Therefore, I advise us all to always be skeptical, and not get carried away by comfort. We should always be vigilant, especially in the crypto world, because if we are careless in crypto, we could lose something valuable.
