XRP is a bad coin that's what you should learn from this situation. The SEC action should be a warning to investors.
Do you really understand what is the SEC issue exactly? It is not about the quality of the XRP token but another case. I don't think you can easily state XRP as a bad coin only from the current case of the lawsuit. If XRP is a bad coin, it won't survive a long time as the top 5 crypto coins in the world. People aren't stupid, they won't invest their money on bad coins. Please don't spread more FUDs! Just wait for the result of the SEC case. Be wise!!