Man the $XRP FUD is epic. I'd almost buy some but I am pretty much done buying this cycle. 

A couple thoughts: 

Ripple is not the XRPL

The XRPL: is an independent ledger that has a growing  ecosystem with multiple start ups building on it. It requires votes on proposals to alter it, and it's not going away. I can see it growing. 

On the other hand, Ripple is associated with solving problems for big Banks using the XRPL. And Ripple is also associated with helping countries launch CBDCs on private ledgers. Ripple is open about the business they're in, and CBDCs are a threat to human privacy and freedom. 

The association between Ripple and XRP could color the perception and narrative of this ledger for years. 

That said, this FUD is epic which means enjoy your ride to the moon XRP holders 📈