But why do people say never buy?
I think this is because the number of btc has something to do with the fact that we all know that it was issued a total of 210 million and now there are very few of them that have been mined. This is not a hole in the sky and the last halving in 2028, maybe btc has been fully excavated
There are 21 million BTC not 210, and what do you mean 2028 will be the last halving? halving means a reduction in block reward, and AFAIK the last halving will be when the block reward will be zero and that will be at 2140 not 2028. So according to me, the last halving will be at the 2140 years.
It's only valuable if it's in circulation. Isn't that what you have in your BTC?
You are right, BTC is not for holding, but if you will hold BTC like some antique item in the house which have limited supply while the demand is high then that thing will become a good investment for you, and everybody needs money, who would want to pass a good investment opportunity. Money is need of everyone. So holding is not bad, and until last halving, BTC will be in circulation, after that I can't say anything. But I am 99% sure that it will still be in circulation. Because market is full of different mindset peoples, who want to trade rather than just hold. All 5 fingers are not equal.