Don't believe of those so called expert predictions since there's no guarantee their words will come true, there's no crystal ball in this world. If they're a time travel who know the correct Bitcoin price in the future, they would shut up and just bought the bottom price, so they can sell at the peak since they're already know it. But, why does they need to told everyone the Bitcoin price will crash to x etc? Because they want to gain popularity if their words are come true. They just randomly guessing the price in hoping they're correct.
That's right. They are no different from us, all predictions are made with no guarantee that it will be correct. The money is yours, just decide to invest it yourself, don't give your money to others to spend.
Agree that we are going through difficult times, difficult times like these we have to stay calm and not panic if we don't want to lose money. Bitcoins are a long term investment, so don't sell them without any profit. Be patient and wait for the bull season, it will come soon.