It depends on your circumstances and local laws too. In the US there are laws limiting your liability for fraudulent use of your funds, credit cards, etc. I don't keep money in wise for more than a few hours, and once it's in my real bank account, it's relatively safe. Not that I have much money to begin with lol.

And in my case, I need Wise to get paid. So the choice is between "slight risk of identity theft" and "not being able to pay rent".