You sound like one of those guys who are holding huge amount of XRP. You still have time. Dump them all and save yourself from further losses. I am sure once everything settles (going to takes years if not months i guess) the price is going to start going back up (probably? You never know if they are going to face the same problem in the future again) and buy it back when the is about to happen and maximize your profit.
Most probably, he is 
. It really seems that he is greatly affected the way he reacts. But well, it's not too late. You can still dump your holdings in good price (if you're an old investor). Whether it is proven a scam or not, it doesn't matter anymore because crowd's impression is the most important thing to consider since it drives the xrp's price. Better to be late than sorry dude. Besides, there are still plenty good options available, there is btc, eth, ltc etc. Do not isolate yourself on a token which are not decentralized lol.In case of XRP, this is not a FUD.
It is not but there are loopholes found so you can't say that it will remain legit assuming it wasn't debunked.