"Experts" are divided on the matter, and the opinion of down to earth guys is important.
you have to be careful who you call "experts"! most of those whom you see online spreading bullshit pretending to be "experts" are either idiots trying to make buck or actual experts that are spreading misinformation to make millions.
You nailed it.
I am more worried about these so called experts to harm Bitcoin then anything else. Every now and then you will see new experts are introducing them in social media (youTube, Facebook) and trying to make money with their BS. Funny thing is that people do fall for them.