It's really sad that you can't distinguish between what problem a crypto is trying to solve and compare that with other similar crypto's. Arguing that XRP is overvalued or useless is the same as arguing that the crypto coins with same tech or worse is useless which apart from lightning network and depending on the security of XRB is every coin out there..
Always diversify to Bitcoin + several problem tackling coins but seriously this is FUD and not a critical post.
You don't hold any other crypto to the same standard..
Even having "DODGE" in the description is laughable