I've read online in different platforms much about the disadvantages of exchanges and how having your coins saved in there isn't that safe to undertake. And I fraternize with those reasons which am not mistaken that the forum members are all aware of, except for some petty co-newbies.

But something happened yesterday, a sibling's wife was in labour due for delivery but out of certain complications the doctor booked her for a cesarean section for which he was asked to give part payment (an occurrence he never budgeted for). I got a call from him, he explained the situation to me and that what he has wasn't sufficient for the payment and he's sorting for my assistance.  On my end I just had a business expenses two day back that had left my bank account with nothing.

Quickly I decided to transfer a  negligible amount of coins from my self-custodial wallet to an exchange wallet to sell since it was an emergency matter of life. While on the process to do that I now remembered that there's a current congestion in mempool which has left people's transactions delayed for hours and for  some persons it's getting to days. What I did was to visit all of the exchanges account I have to see what's left there. To my amazement the little coins left there were able to amount to something after respective p2p trades.  And that was how I was able to come through for in assistance.

The heart of the lengthy story which I am moved to share is that we should not leave to have some amount of coins in our CEX for quick sell, despite their disadvantageous side, they can actually come in handy in emergency time when there's a mempool congestion like we are experiencing right now. However, make sure what you keeping it's an amount of coins you can literally lose should the unimaginable happen.