What Happens To The ETH in Various Wallets Post Merge?

EthereumEthereum
$1,296.07
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19D Ago
self.ethereum
Forgive my lack of knowledge surrounding this move to Proof of Stake. Let’s say you own ETH that’s stored in Coinbase/Wallet, Binance, Trust Wallet, Cold Storage, MetaMask etc. Are they rendered useless after the merge as if they are old outdated money? How will this merge even happen? Can someone explain it in english without sound too Computer Sciencey?