Riak will recover in the near future, rest assured that Ripple will not just give up. Ripple is a good and trustworthy coin, so we don't need to worry about Ripple anymore. Of course it will return to normal again
Yes, Ripple does use very good and profitable technology for global payments today, and is also a more volatile crypto asset. This coin has a good advantage for banking, so I think it is a good option for investment.