When talking about money, in any form: fiat, crypto, credit, loan, mortgage, gold..., the most important thing is to stick to the abbreviation I heard a long time ago (even before entering the crypto world), NFA.
Financial advice, I neither receive nor give, I even try not to talk about money in any form outside of my family. I can only listen to what they are saying (like what you heard), and everything I would say to my interlocutor would probably be only my opinion, how I would act at that moment, if I were to express it. In any case my interlocutor will do what he intended, why should I be guilty (or responsible) for his decision...
It's just amazing how some people truly believe that someone knows where prices will go... Even the guys from FED can't "control" things as they are out of control atm, so thinking that my neighbor from the street knows where BTC will go, or any other asset, or anything in the future is silly...