2. I take the example of privacy coins like (XRP)
XRP (Ripple) is not a privacy coin buddy, maybe you referring to XMR (Monero).
I think he really meant to say XRP. That coin is centralized and not really private. Another tip is don't listen to the hype and shillers that will tell you a coin that you are not very familiar and tells you that it has the future.
Those kind of suggestions should be avoided if you don't want to lose your money. I've seen that before and never listened to them so I hope that others will do the same.