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Good question. It's a combination of things.

First of all, I've always trusted Coinbase a lot more than most other Bitcoin services. They're a US company, a YC company, I've met the founders, I know some of the employees, they at least appear to be very serious about security, etc.

Second, those 80 BTC are not all of my Bitcoin. I don't completely trust myself to securely store Bitcoin, so I like having some diversification of risk.

But yes, some of it comes down to laziness. I should probably figure out a better way diversify the risk without needing to trust a 3rd party.

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