So now my obvious questions/doubts are:
"Wait a second, so I could start seeing in the future letters from lawfirms or such saying I gotta give back the money I withdrew so that other people that lost money get some back?"
Potentially, yes.
As part of a Chapter 11 bankruptcy, funds which were withdrawn in the 90 days prior to the bankruptcy filing can be clawed back and added to the pot of assets to be distributed. There are
suggestions that Celsius are planning to do this during their bankruptcy proceedings, but the process will take many months, if not years, to be finalized.
If you withdrew coins within 90 days of the bankruptcy, then yes, you could see letters in the future demanding you return those funds. This will also be largely dependent on the size your withdrawal, as for small withdrawals it probably isn't worth the time or money to pursue.
But if this were true, then I would ask myself: what is the point of ever touching exchanges and even having those withdraw buttons there if any exchange that goes belly up could get enforced by the US to have funds be called back?
There is no good reason to use a centralized exchange. People
finally seem to be waking up to the fact. Bear in mind that not only is there this clawback issue with your coins, but as part of a Chapter 11 bankruptcy your real name, address, deposits, and transactions are likely to be published in court documents which will be publicly viewable to anyone, just as also happened with Celsius.
The small amount of convenience that a centralized exchange brings over a decentralized exchange is absolutely not worth the massive risk to your coins, your data, your privacy, and your security.