Binance might fall, but that will not be like FTX. SEC can force them to wrap up their operations with Binance and operate outside of the USA. The only thing that can tear down Binance is a major hack. Binance offers most of the utilities of BNB, so if anything happens to Binance, BNB will face the consequences.
Everyone also thought that FTX would not be like MtGox, but it turned out to be a bit worse than the crowd expected. FTX not only went into debt, but was also hacked. There's no telling how shaky CZ's empire is. He may be telling us everything is fine, but in reality things are on a powder keg there. Huge projects can also go bankrupt and close down very lightning fast. Then they will pay investors their money for decades, like the infamous MtGox.
That's always the case for smaller places, and mt.gox was a big one but a first one. Binance has one advantage, which is the money they are making. Mt.gox never made billions in profit, Binance does, and FTX may have done some profit, but do you remember their ranking when they existed?
They weren't 10% of what binance was, that's the difference. Obviously this doesn't mean that Binance will never have any issues, it could have a problem and they almost did which resulted with them losing BUSD all together but that doesn't mean that they are going to, it just means that the possibility exists. I will trust them and BNB as long as I possibly could, then I could end up with anything I want that would be a lot more smarter.