Licensed compliant exchanges in Singapore, like Coinbase, have done a meticulous job for ordinary users in compliance work.
They regularly send users a set of exam questions, both multiple choice and single choice, and only allow continued use of their exchange if the exam is passed.
If users do not complete the questions before the deadline, or if they fail the exam (the questions are very simple and should be passable), their accounts get restricted and cannot be used.
They really protect users to the teeth.