The issue most people have with ripple is that they feel that it is a coin that is bed with the bankers which was one of the reasons that cryptos were created in the first place. The problem is that people don't understand that bankers are not just going to fall over while blockchain is changing the financial industry. I believe that ripple is one of those cryptos that will bring in bankers which can be good or bad depending on your view. I believe that people have not even seen how much the price of ripple will go to when more banks get into it. If you are in cryptos to make money, definitely one of the currencies to hold long term. Another currency to look out for is Dash with the new release that will give paypal a run for their money.