Maybe others will consider ripple as one of that shitcoin it depends on how you trust the crypto. For me I still ripple can go higher there's always a fud out there even in bitcoin there's always a fud so let's just keep our ripple.
From your speech, you can also confirm that the reason why you are keeping ripple is simply for investment, that is why you believe it will go higher, because if you also believe in what ripple has to offer technologically, you won’t just tie it achievement to its rising value.
People you see holding ripple are doing so to just gamble with it and hoping it will increase in price and multiply whatever investment they have in it and not that they are holding it for the main reason why the centralized bank coin was created, this is why ripple may never grow in value, because every slight increase it gets, it is always being accompanied with dump.