the exchange can not be muted, look what happened to the coinrail recently and it will prove that the exchange wallet is not as safe as you think. This is true if you do not have a secure computer at home or do not have the knowledge to maintain it ie install updates, antivirus, avoid phishing sites
I think it's pretty easy. As a child, I was motivated not to get caught on such sites, because the computer was the parent. I have learned hygiene on the Internet and no longer fall for such sites and simple viruses. You can say I even at first glance can identify scammers 
