Asked on 29 Dec 2020
XRP's price crashed after the federal agency filed its case, and the crypto ecosystem is moving to withdraw support for the cryptocurrency.
There are arguements to say that although the lawsuit is targeted to Ripple the company, XRP as a token and blockchain application remains unaffected.
Who knows what powers the regulators have. It is hence risky. If you go in not appreciating the uncertainties, then you will falter when price fluctuates. If you dont invest, you may feel fomo. What is the middle path? Maybe just refrain yourself for having one bubble tea, one starbucks and one restauraunt meal per month and use the amount to enter into XRP, ETH AND BTC respectively. Amounts which you can afford to lose essentially - and then go to bed and check in again in 5, 10 years time.