Bitcoin is going to hit its transaction cap, thats why BCH was made in the first place. Litecoin is poised to replace BTC however, being #4 and sharing the first to market advantage - it being used by all the ATMs for example. When BTC caps out, LTC is the most likely to replace it.. has a much higher reward potential considering it stands to go from 5B to 200B, before it goes like 5x from there. Easily aiming for 1 trillion market cap. Its over 8x faster than Bitcoin, has no transaction backlog. When it costs 50$ and takes 2 weeks to send Bitcoin you will be happy you bought Litecoin instead.
RE: It's irresponsible not to have a 1% allocation to Bitcoin