Kind of in the same boat but with $60k..........
Bitcoin is currently useless unfortunately.. This might be the reason the bubble pops.
60k fuk that sux man, i feel your pain.
think the question is: why wasn't these issues happening when bitcoin was at @£7k-10k? were they? i wasnt buying bitcoin when it was lower than 8k-10k so i don't know.
Are these unconfirmed transaction increases due to network activity or due to rarity of mining the coin? i'm trying to understand why transactions are now risky in regards to 'if' they go thru.. im assuming its miners fee's which as you said, if it continues then, well bitcoin will be very expensive to move around. seems all i see is fee's along the way.. surely this gives room for alt coins and new protocols to have an advantage in future.
Hard to know for sure, I have been around btc since 2013. It cost very little to use BTC then. It could be just that many people using it, could be banks launching a spam attack to discredit it, could be the Bcash horde launching an attack to discredit it, really hard to know.
The risk in a tx not confirming are not that bad either
A) you wait a really long time
B) The network drops the tx and you re send with higher fee.
There is a small chance someone double spends but that depends on how you sent the coins.