Do you hold physical coin or is yours is in some account?
No “Exchanges”! Practice “Self-Custody”!! You don’t really hold “physical coins”, you hold your “BTC Keys” (encrypted/hashed long #’s). BTC devs made it easier early in the development...(early 2010’s)...you now hold a record/hard copy of your “24-words” (keys) in a safe place (SD box, etc) as your “coins”.
Or use steel to record your keys (safer in case of fire):
Exchanges (like Coinbase) can get hacked (Mt. Gox, etc.)...keep your BTC keys in your possession....”Not your keys, not your crypto”.
If you have a need to send crypto/money to relatives/friends in distant lands, keep a small amount of your crypto stash in a mobile wallet or on your PC for transaction purposes.