> risk of a bank is same as an exchanges

Quite clearly not, since the party creating the risk has agreed to reimburse you. If regulators blow up a bank, depositors are its problem. If they blow up a crypto thing, users own that risk.

> the point is here, just accept it

No, the opposite. Acknowledge and manage it. If you want to do crypto, hold your own keys.

So, you enter a casino. Exchange your money for casino's chips. You gamble and win more chips. When you want to cash out, casino says: “Sorry, we won't give you money for those chips.”

You said you only care if 3 dodgy exchanges have problems.

Well, they will have problems, because the people involved are very sketchy and the company accounts are also sketchy.

If you don't mind losing the money and are just gambling, that's great, because you're probably going to lose it if you leave it there.

Imagine leaving the casino, so you cash out your chips, and then the casier says no. Do you leave without your money because it's a Casino?

Because casinos have to not launder money to keep existing, or not make it their primary goal. The ones that did are either gone or soon to be gone.

I have no problem with you losing your money in a Casino or in Binance - the end result is inevitable with both if you play long enough.