XRP will go down to zero eventually when people realize what that is. USDT will too. People are just getting caught up with it for a while now and for example BSV got delisted and just like that USDT is getting delisted from many places as well, soon XRP will as well. Why was XRP liked so much?
I'm also not a fan of XRP but I don't think it will literally go to zero. Unless the project is abandoned or SEC sue them, in that case the investors don't have a chance but to dump them and exit.
Because, the company behind it, Ripple was working with many banks and many financial corporations and people wanted to support this coin but there is no dividend, there is no profit sharing so at the end of the day people will realize no matter how big Ripple gets it is not about XRP, it is Ripple profiting from it.
So of course, that stops the price range and people do not buy it anymore as much as they used to. It would have gone down even more if the price wasn't manipulated by the Ripple team so much.
As long as the behind people behind can make tons of money, I think banks and any other financial corporations will support it because it's a win-win situation. But for bitcoin maximalist, XRP will be just another altcoin floating in the market and shouldn't even be considered as a threat but just a pump-and-dump scheme coin.