I think the financial industry of the future will have no choice but to compromise with cryptocurrency.
On that basis, for long-term investments, I think Ripple is well worth entering the portfolio.
This coin has a negative image in the crypto community, I would not invest in it.
I think that the most promising investments now are investments in coins with smart contracts.
You are absolutely right, Ripple is not only negative image ion the crypto, but I am afraid that Ripple will do most damage after the next Pump and Dump, because this time millions investors will be burned.