Just plugged in my phone charger and glanced at the mempool—the queue is still ridiculously long… When the network is congested, the transaction you send is basically just waiting in the “waiting room”: first, it checks whether the fee you provided is enough, and then miners/packagers pick it; if it isn’t enough, it keeps hanging there, and it can even get bumped out by someone else’s transaction with the same nonce. The most annoying part is when you think you’ve “already bought/already repaid,” but it hasn’t landed on-chain yet—meanwhile the collateralization ratio is changing, and the liquidation line doesn’t wait for you.

And some people watch large on-chain transfers and unusual movements in exchange hot and cold wallets and then shout “smart money is coming.” To be blunt, many times it’s just a transfer queued up with delayed confirmations—don’t start imagining a whole story just because you saw a big transaction. Anyway, I don’t force it during congestion; I’d rather wait until the queue gets shorter before I take action, so I don’t end up stuck in a dilemma halfway through.