Thank you for your answer
@aleix.
What I was trying to aim at with that question is that I believe that recommandation on security are very vague in the cryptocurrency world.
I was actually trying to check if somebody could figure out some hard numbers (even though approximative) that would help noobs to choose how to secure their money based the time they want to dedicate and the money they have.
The general message in our cryptographic world everywhere is "exchange = danger = do not store your funds there".
Although you are not in control of your private key, although some exchange have been hacked, I guess that to loose your money on an exchange is not as high as 1 chance out of 2, or is it ?
But I can tell that this is was for example the feeling I had when I got interested based on what I was reading : I really had the feeling that there was a
high probability to loose my funds (again, a vague term, that is relative to everybody, hence the point of my question).
It is of course paramount for somebody who has a lot of dash to not store them on an exchange. But I have that feeling that it is the only speech that we hear and we give. A speech that is aiming at people with a lot of assets, but completely forgetting all those people that starts with some 20-50 € to get a taste of it. Feeling that chances are high that you will loose your funds to some hacker on an exchange scare many people off IMO, independtly on how small they are, because you will have just the sense of throwing your money out of the window. And also because other options (desktop, trezor, cold storage) are not that accessible. You need to get deeper in this world to make the right choice.
People should be encouraged to just change 20-50 € in an exchange, take a break, let it sink in, then come back to it and start studying other options, other kind of wallet, etc..
Beside, the general level of computer and knowledge of security is really low in the normal world. And there is a big gap between all of us in the community and all the people that are outside of this world.
"common sense protection" I can assure you, is valid for maybe 80 % of the cryptographic community but probably not common for 5 % of the real world (I talk from experience).
So that fact that you need to teach yourself is a really big step. Plus, it is not really clear the value that you will get if you teach yourself to get a desktop wallet, a trezor or a cold storage. As you say, it will be "more secure" which is again vague term.
I believe that a tailored speech for beginners should be made. Because having 1% chance of lossing your 10 € to an exchange when you start in this world is completely fine (IMO) while we still need to warn that people with 10000 dash should not keep it on an exchange.
Anyways, what I observe is that in the cryptocurrency world you have many different kind of people : some with a lot of assets from the early days, some people with a lot of fiat currency that would like to get involved in cryptocurrency but also some people with not that much fiat currency. Then depending on you aversion to risk, people might want to invest an 0.0001 % of their wealth meanwhile other 80 %. All those person are different and can't approach the security of cryptocurrency the same ways if we efficiently want to convince everybody to join in.
That's why the point of my question was to try to replace words like "it's risky", "it's more secure" by hard numbers that will take away the relative situation of each indivual that will then be able to easily make a decision.
But I understand that this might be impossible for the fact that, as you gys have said, this manily depends on the user behavior.
But can't we teach user behaviour ? With some plain words ?
Attaching a bike to a post just makes sense because you know that if somebody want to steal it, they will need a saw and so on. So even if you are well aware that you might get it stolen, you know that it is unlikely (and know why) depending on the area where you live, or that you are just willing to take the risk independtly of it.
Because we have been riding bikes for so long, those risks are asbolutely common knowledge. Such as the behaviour of buying and putting a lock. Even though it is not 100 % sure, it takes a lot of the risk off.
What we need for the cryptocurrency world is an education about that usees comparison to make it comprehensible.
Example : using an email provider such as protonmail is like locking your bike, using a vpn is like taking of the saddle...(I know that my example is not pertinent because I have no idea, but it is just to convey what I mean)
Sorry for that long post !
: I didn't mean at all that we should talk down the risk of putting your coin on an exchange.