Finance is a discipline where expertise is really, really difficult to judge. You mention two extraordinary events though. Perhaps even in finance, on normal ci

Finance is a discipline where expertise is really, really difficult to judge. You mention two extraordinary events though. Perhaps even in finance, on normal circumstances, i.e. 99.9% of the time, you would be wise to follow the experts, but on extremely rare events like a pandemic or the recovery period following a once-in-a-decade crash, no one, not even the experts, can predict what's going to happen (let alone you or me)?!