mostly the second, it is something that most people will probably suffer from, why would you not spent your cryptocoin? Because it is going up? You already made a prediction and are too sure of the gains you assume. Also for all the people out there that regret selling or buying at whatever point, in a lot of cases the buy is 0 ev-ish and the coin is worth what you pay for it. Also for all the people that draw graphs and are way too sure it will happen exactly how they imagine it to happen.
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