Investing in UPST Becomes a Gamble Purchase

Hi Everyone!
Because US analysts from Wedbush and Jefferies have recently locked up UPST to $160 and $175 respectively, Upstart Holdings shareholders are limited and shorted in their earnings potential.
As a result, investing in UPST, without a majority of analysts supporting a higher target price, becomes a gamble purchase at the latest all-time-high prices and around $155 to $161, as we all recently observed the massive sell-off from $401 around October 19 to as low as $129 on December 20, 2021.
In addition, experienced investors recommend to refrain from purchasing a stock within 10% of its recent all-time high, i.e., around $139.50 to $144.90 in the case of   UPST.
Finally, some UPST investors predict UPST will plummet to $104 in January, 2022, and there  are enormous differences in opinions and disrespect among traders, long-term investors, and shareholders - as evident proof on this board.  Instead of convincing with educational rational arguments as the finest boards will do, a few opt for inferior name-calling.  As I have repeated over and over, United we stand, Divided we fall.
Given the recent roller-coaster ride we have all experienced over the last 2.5 months, who wants to lose money on a blind pursuit without justified guarantee and a realistic and workable plan? $Upstart Holdings, Inc.(UPST)$