We don't know if the US government will ban XRP now (They are winning their lawsuit) or in the future; if it will go to zero or if the government regulates it into a real asset. It's too early to conclude...
What we know is that the government has been going to ban BTC/ETH for over a decade but the people prevailed. That's why Since 2018. I am using a DEX platform to avoid KYC. Who needs your personal info anyway? And now, I am now using DEX Wallet too. I've got XLite Wallet to easily manages all your assets with a single seed phrase that you can connect to Blocknet's DEX for decentralized trading. Using a DEX compatible wallet will reveal its true value once the government start tracking every single detail