One minor correction. Your crypto is insured if on Coinbase. Only insured against outside hackers to Coinbase. Does not insure your personal account if your credentials are hacked or stolen. Which is also why you do two more things to your coinbase account. 1) 2 factor authentication. This means a hacker has to get your coinbase password, likely your email password and steal your phone to get the changing authenticator app code. 2) Make use of the digital vaults. It locks up your crypto for a minimum of 48 hours when you want to make a transaction but that is why you just keep 10% or less in your wallet and 90% in the vault (assuming you are day trading your crypto currency).
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