Fine Art as the dictionary describes it

NOUN
Creative art, esp. visual art, whose products are to be appreciated primarily or solely for their imaginative, aesthetic, or intellectual content : the convergence of popular culture and fine art.
2 an activity requiring great skill or accomplishment : he'll have to learn the fine art of persuasion.

PHRASES
Have (or get) something down to a fine art achieve a high level of skill, facility,
or accomplishment in some activity through experience :
Mike had gotten the breakfast routine down to a fine art.

Fine Art oil painting as investment art not only has commercial value but a priceless value in inspiring viewers to a deeper revelation reality of the seen and unseen world around us.
Therefore in my opinion good art cannot be truly valued financially
except by what current fashions dictate.

Oil Painting as fine art investment is valued in truth by the heart of the viewer only when they have taken time out to meditate on the intent of the artist and seen beyond what the eye sees into the spirit associated with it's creation. Of course there are those who place their own interpretation upon the art works and more often than not will vary greatly to what the artist originally had in mind

Many reasons therefore there are for buying an original work just as there are for creating the work. IE:if it is safe to invest a financial stake in an appreciating art value, if it is purely a visual stimulation of beauty to have in ones home, if it satisfies ones ego to own a named artists original, if it speaks a word of truth prophetically of mankind's condition that inspires one to be wise, if it portrays the dark side of the depraved mind that one can relate to or just simply tell the story of the conflict or beauty in nature it is all relevant to one soul (the artist) speaking their mind for the rest of us (the world) to see. In our cultural fashions we will then use what was created as a tool to satisfy our own desires in whatever influence we are motivated by. The next and following generations will place their
own values upon what has gone in the past and being that if the the artist is dead and
cannot create any more of what once was highly sort after will by financial reasoning become highly prized and valued accordingly.

Surrealism, (fine art from the inner man or imagination of the artist) is influenced by many factors related to the artists life influences, century of existence, spiritual influences, gifted and discipline of talents which all stimulate the passions of the artist enough to tell the story they see. The rest of humanity will judge them good or bad relevant to current philosophies and fashions out of each genre of and of course by their own subjective influences and likes or dislikes. Whatever the reason another judges the art it will not change the fact that the creator of the work is the only one who will truly know the intent and purpose of it's original idea. If they communicate that openly to us, the viewer, we will be enlightened but if they don't we will only speculate about the intent and that is the mystery of creativity.

Fine Art Surrealism and Photo Realism can have a message out of the darkness of the soul or be inspired by the hope of seeing a brighter optimistic future. It is in effect a poem or psalm not in words but in an image expressing the angst or delight intended. There is no doubt art is inspired by the human soul and it's experiences or by a higher inspiration out of a heavenly vision and therefore be prophetic in inheritance for good or for evil. Sometimes it just expresses the pain of the artist from a depressed dysfunctional view about what life has to offer which to me has a message all of it's own, even if it is dark and depressing.