Why would anybody be dumb enough to use a centralized exchange? We've had this technology for 15 years and the technology has not failed, but the exchanges around the technology have failed more than once and will continue doing so.
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Because decentralised exchanges are sadly not ready for large amounts of money.
I'm not defending centralisation, I hope we move towards that way.
My point here is that bitcoin can also be used in decentralised exchanges, you don't need monero.