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We know what happened in those lending platforms when the crypto market crashed. They went out of business, filed for bankruptcy, or, wanted some entity to save them from that position. Crypto exchanges can be hacked or they can make losses and go out of business. As a result, you lose your cryptocurrency. When it comes to crypto, things can change very quickly. You have to take action immediately in case something happens. Sometimes you may not get a chance to react and take action to protect yourself when you don't hold the key. It is indeed, not your keys, not your crypto. It is up to you to decide how you will hold your crypto. Cryptocurrency can give you control and freedom as long as you hold the keys

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