I don't consider my coins safe on exchanges, there's been many who've defaulted and imploded. Upbit gets hacked at least once per year or does something suspicious. Binance itself didn't let users withdraw their Steem when they staked them to help Justin Sun overtake governance for instance.

While APR's may seem nice, I consider it as a carrot on the stick and wouldn't stay there for long. I'd rather spend it voting people/projects/services that may bring value to us longterm than have it sitting on exchanges or in savings in the form of hbd.

I do however wish there'd be more usecases for Hive to "lure" people back into staking it and enjoying doing different things with it.