I sincerely hope that Coinbase will survive and thrive through the difficult times in the next several years. They made trading cryptocurrencies easy and accessible to people, which is a fantastic service. However, if you are a customer, I would highly recommend that you used Coinbase for intended purpose only: as a (pretty good) Crypto Exchange. Do not keep your crypto holdings there. Your crypto is not protected if something, anything, happens to it. Including bankruptcy. It's not a custodial service. I would not keep the USD there either. I would just go in, do the crypto buy/sell and get out.