When will BTC stop going up?

I feel like Bitcoin is currently a fad that is doomed to go. Everyone thinks of it as a way to get free money, a stock almost; but it isn't that at all. Bitcoin is a form of currency and should be treated as such. Another issue is that people hoard it thinking it will make them rich, causing a high demand and lack of supply. The moment a financial crisis hits, people will flock to sell their bitcoin which was "so hard to get" before, destroying the value of it completely, and further destroying alt coins also. Honestly, I believe that when getting into bitcoin one should count the money as gone and wasted- meaning don't take all your equity out on your home and put it into btc