like the thing is if u store money in exchanges ur data on how much u own is stored in a silly centralized hackable sql server, and exchanges will not last for ever... one day an exchange might just go out of business and all stuff u have on it is gone... blockchain is eternal and until there is quantum computing in 100 years your keys aswell are save... then if you have the steem market or the steem sbd-steem exchange which is on the blockchain its just a normal peer to peer exchange but this is super save because u just write in the blockchain you would pay this much steem for this much sbd and my offer expires at this time or watever... it would look like this on the blockchain:
https://steemd.com/tx/25c3e3ca9f5118f5e009a8339c407a76ab0431e1
but i have no clue how well they do the hardfork so im gonna do no exchanging while they do the hardfork tomorow friday at 2pm UTC just to be on the safe side

also the point of the hardfork is to not have your information and steem controlled by these centralized sock puppet witnesses from justin sun... most community will be on hive, so they will be as soon as the hardfork happens powerdown their steem and sell it for hive, and leave only the chinese and korean community behind... this will also reck the hundreds of thousand of dollars worth of steem justin sun invested when he tried to buy a stake that was promised to the community. in the hive hard fork, justin has no such stake, and will not be able to dictate who is in the top 20 witnesses and what code witnesses of hive should run, as he did for steem.

you will automatically have as much steem as you have hive, so technically you have suddenly 2 copies of the same token, except one will be controlled by justin soon... binance anounced they will in the near future allow hive exchanges...