Yup, those that have bought at the peak are still at loss and it's on them why they're holding it until now. They're still at most of their money loss with XRP and they have to wait for it.
While for the other coins, it's true that many of them are also sitting in losses and even much more because the coin they've bought aren't known and probably made a rug pull which has no way of recovery.
XRP has grossly disappointed its investors, who thought since it is used by banks to transfer money so it will boom, but it never performed well even during the bull run of 2021, it used to be top 5 coin on coinmarketcap in 2017 when its price peaked to about $4 but since then it is on decline and who bought it at peak are in huge losses.
It is also facing lawsuit filed by SEC for illegal offering of unregistered securities in the US. The matter is in the court since long time and unlikely to be settled soon, which further diminishes hope of its recovery.
I think what's stopping them is the case and the issue that they've been in. But even if there's an active lawsuit against them, they're still at the top rank.
Those news about it that will be partnered with banks, I think that it's one of the biggest news that they've got but it's not that good even during the bull run.
Because what makes the news good is if it's positive but on their case, it's not.