$XRP Holding XRP is a double whammy.

1: You're burying your capital and missing out on the upside of other altcoins

2: XRP is headed for zero against BTC and ETH. Owning XRP is a double whammy.

3: XRP has an uncertain future as it is not accepted as a means of transferring money in institutional solutions. The court ruling has made it clear that institutional purchases/sales of XRP with Ripple constitute an investment contract and XRP will become a security. So what is the point of XRP when Ripple is looking for a way to replace XRP with RLUSD? The reason it exists is because Ripple can only sell XRP in exchange for USD as collateral to issue RLUSD.

4: Ripple's legal dispute with the SEC is endless as Ripple does not give up the amount of XRP it is holding. Ripple is looking for every way to sell XRP as much as possible while it still has time. On the other hand, the SEC is looking for every reason to prevent Ripple from profiting from the assets they are labeling as unregistered securities. It was not Gensler who decided that XRP was a security as we think, but the board, so even if Gensler did not continue his job or was replaced, the SEC would still label XRP as a security. If the SEC fails in this emerging market, specifically the lawsuit against XRP, it will not only lose credibility in the capital market, but also open up other options for businesses to consider issuing their own digital currencies instead of just listing common stock as they do now when they find securities laws disadvantageous or ineffective compared to issuing digital money.