Cryptocurrencies: China Government sends order to exchanges, they close down. BTC survives, works as designed. Value lost <20%
XRP: (Possibility) Government sends order to Ripple Labs, they close down. XRP stops working, XRP becomes worthless.
I cannot believe people still invest in a synthetic token that is controlled by 1 company and can be shut down any minute LOL

wrong, you're an idiot. ripple's nodes maintain their own validator lists managed by independent institutions / 3rd parties. as the list grows, xrp becomes even more decentralized.