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RE: It's irresponsible not to have a 1% allocation to Bitcoin
We are a ways off from there:
https://bitinfocharts.com/comparison/bitcoin-transactionfees.html#2y
Now that segwit has been widely adopted, it's not going to happen like it did in late 2017.
I'm sorry, but I think there is about a 1% chance (maybe even less) that litcoin replaces bitcoin with a higher market cap. To be honest I am not sure why litecoin even exists really. It's not different enough from bitcoin to garner such a high valuation.
Moving $450 million for $40 is pretty good when compared to legacy financial systems: