...Only the coins that are transferring massive value will reach those levels, not all the coins, and certainly NOT the XRP coins that you're holding, doing nothing, in cold storage, or sitting idly on Coinbase.
Get it?
I think this may finally be the explanation that unravels the mystery of the mythical "$10K XRP".
So, no, you will NOT get rich by holding XRP, unless YOUR XRP is being used to transfer a lot of value and settle massive financial transactions. The value of your particular XRP tokens will depend on how much value each of them is holding. Some of them may be worth a few cents, some a few dollars, and some a few thousand dollars.
This is how you're going to be prevented from getting rich. You didn't actually think that all you had to do was buy a few XRP at 40 cents, sit on it for a few years and, voila`! you're rich, did you? Didn't think so. Life ain't that easy.
My guess, at least. You're welcome to prove me wrong, and I hope you do.