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?
These are well known things. What you still doesn't seem to understand is that if you buying XRP you are not investing. You are buying a product, what you can use for making IOUs, or paying for transactions, or you can take it to a 3rd party market.
You know by buying Phillips coffee makers you are not investing into Phillips. You can trade those coffee makers on eBay or on a car boot sale, and you might make some profit, but that's an entirely different story. This is how XRP working.