Is it still safe to store crypto on Hodlnaut, Gemini with many crypto lender filing for bankruptcy now? Or store in cold wallet?

Store in cold wallet = only dependent on capital appreciation. (Anson shared hard wallets like ledger offers native staking support, so it's actually possible to earn passive income while keeping it secured too)

Storing on hot wallets allow you to earn passive income via staking.

Essentially losing out on 5+% yield annually + the cost of purchasing a cold wallet.

Cold wallet is overatted for just storing crypto, inconvenient + costly~ just store on decentralise wallet like trust wallet or metamask～ keep the seed phase to urself and u r good