Maybe, those you mentioned are good coins in my opinion, I just put xrp as a bad coin, not a Scam, xrp is not a good Cryptocurrecy and everyone know why, anything controlled by Banks are centralized.
Maybe true but I like holding a bit of XRP as it has real case value, over 600 employees and aggressive plans moving forward. If I put my crypto hat on then yes it's a decentralised piece of garbage but my investor hat says it will pump in the next bull run.
This can happen, of course, Like any stock on market can pump too, a lot of good investors on XRP, I'm one that thinks that is not a good one for me, I prefer a few others coins.