I don't know who you think you're arguing against, but it isn't me. My point was that exchanges are useful for exchanging the cryptocurrencies that you already have for fiat currencies, and I presented a best practice that minimizes exposure to loss. That's all. I was pointing out that saying it's a pain in the ass is seriously overblown, because it's actually really simple, and a large number of common types of transactions that people never think about are actually more inconvenient.