The expert is out of date but my target price put BTC at about $50,000 before jumping out to sell on
to a bigger fool but that all changed when I watched fees hitting $55 per transaction just as it seemed Joe
Public was about to arrive.

Well anyway I had to switch plan and cashed most of my coins out at $18,000 as many around here were in panic
mode and telling everyone to "Buy on the dip" and now the bubble has started to pop from what I can see so save the
banter about me losing out if the price hits a million bucks because a bird in the hand is worth two in the bush.

Now I know you are all hoping that the lightning network is going to turn things around but if you took the time to
read the white paper not that its easy to understand instead of dreaming and playing dice then some of you would
had worked out by now that the hubs are in fact mini banks that charge both transactions fees and interest on the
counter parties BTC needed to finance the private ledger even if you never buy a thing and thought that you was
spending coins you own yourself because it does not work that way, read the paper and see for yourselves.
https://lightning.network/lightning-network-paper.pdf

Maybe the expert also forget to read it too and if he did then he didn't understand it.