Thank you for putting all the parameters into perspective, an opinion different from the general trend is always important if you have to invest in a long-term project which one to choose

XRP = FRAUD?
YES
Firstly, it is a simple and well-mastered technology. Just look at the almost instantaneous transfer of money to the Central Bank, through Pix. And it is free!
Secondly, it is centralized, which means that it does not generate value outside of its controllers.
Thirdly, the number of units is sufficient to ensure that in the most remote case of someone assigning value to it, this value is reduced.
Fourthly, if it had a differentiated technology, the Swift system would also evolve in a very short time.
Therefore, if you are not a cryptocurrency fan, it makes no sense to keep this resource. Do not get carried away by dreams, by the daydream that you discovered a miraculous way to get rich, to retire. YOU DIDN'T.
XRP HAS NO VALUE. Not as a currency, because it is not scarce, nor as a technology, because it is not scientifically exclusive, nor as a use, because it has no differentiated application.
GET OUT OF THIS TRAP AS SOON AS POSSIBLE.

Don't be a useful idiot who will lose money by believing in meaningless promises.

This pseudo-currency has been at 4usd, 3usd and always returns to cents of usd. WHY WOULD IT BE DIFFERENT NOW?