Most of your write-up made sense to me until this part of the post that I qouted above. Although it's quite true you can earn some additional income by staking your coins in cryptocurrency exchange still I don't think it's a recommended way of earning as a cryptocurrency enthusiast. Assuming you're to stake the coins in wallet you have control over your coins then I would had bought into the idea but when you have to rely on a centralized exchange that can be easily hacked tiy safeguard your investment, that's just a no from my angle.
This exchanges can shutdown at any second and I'm quite sure most of them aren't registered under any government body or agency that'll require them to give account of their service when the need arises.