By owning XRP you dont own a share in company that is ripple.You need to understand the difference and read as much as possible and available information of coin you are investing.
You are having it backwards. If they use value to improve the block-chain, it is a good thing for someone holding and potentially using the blockchain.
They hold a lot of XRP. "if their coin value goes down their value as a whole should go down" is simply false.
If XRP goes down, so does their wealth.
If XRP breaks, there is not much left for them. What value does a company with a broken tech have ?
They can still be successful without their coin, my goodness your so dumb sorry excuse me for that comment.
If ETH coin goes to shit they fail if BTC goes to shit they fail if XRP goes to shit no problem Ripple keeps rolling while they say "thanks for the money". You need to understand you are investing in a company which is using your money to support their own investment which you have no share of. XRP hype is being caused because people see the banks signing with Ripple but they don't realize it is Ripples' blockchain getting success which they have no share of. ETH depends on its coin, BTC depends on its coin, Ripple does not depend on their coin. You understand this? You want to invest in a company where your success does not depend on their success? If every bank in the world signed up with Ripple but decided to not use their XRP coin you would not get a single dollar even though you helped build the company from the ground up. Do you understand this?