Obviously you're entitled to your opinion and you could well be correct, time will tell. However, I wouldn't read much into Lampard not rating him. You could equally make the case that if Bayern rate him then it's an indication that the hype is very much real since they don't tend to make bad buys often. Also, it's not a given that he leaves because he's not rated. It may more be that Chelsea demand instant success and they have always been a club that buys success. Hence the purchases of Pulisic, Ziyech, Werner, Harvertz, who can all play in the same position as Choi. It may be that he was promised first team football to sign that huge 120k a week contract (again I would argue chelsea rated him very highly to give him that at such a young age) but he has now realised that it was a lie to cover their bases incase they got a longer transfer ban and that he's now seen through this with their insane spending spree. They simply have no interest in developing young players, no matter how much potential they may have.