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RE: Bitfinex is lying about the "hack" and I can tell you exactly what likely happened
Unless you are actively trading, I do not know what is so difficult for users to just hold their own coins so that they have 100% control.
They don't even need to be technical, mobile wallets such as Airbitz, Breadwallet, and Mycelium are already super easy to use. The users would have 24/7 100% full access to their private keys. If they wanted to take a step further then they could look into hardware wallets such as Trezor and Ledger etc.
Point is, if you are heavily invested and not actively trading, why aren't you putting your coins in a Wallet where you have 100% control?