xrp are not suppose to be traded like another pump-dump alt coin.
it suppose to be used as the transaction fee's for the ripple developers.
so the true question and answer is
Q: How much is my 40k Ripple worth?
A: 40k transactions
at_least try learning what these services are intended to be used for
If you have to tell someone how they "should" think about how they use something because they are using it the "wrong" way, then the system is obviously flawed and badly designed for the intended purpose.