I agree with you that this Ripple is only full of hype, however, hype is not the argument. The argument is if XRP is doomed and it appears that you are very much mistaken on this because it is not doomed and it might not be doomed under the administration of the Donald. This might pump and the promise of Ripple that this will be used by banks might be an unexpected occurrence.
This is okay. I have made wrong predictions in the forum also. The most important is to admit if we have made a mistake and learn from this. My biggest wrong prediction was the big short because Tether might collapse. I have admitted this mistake already.
I've read about Ripple CEO Brad Garlinghouse's visit to Mar-a-Lago (Trump's residence). Maybe XRP will be sailing on smooth waters after all? At least, while Trump is President of the US. Once another anti-crypto administration takes over, it will be "bye-bye" to XRP for good.
What matters is utility. Not the hype. If banks begin to use the XRP Ledger for international payments, then the project's future will be certain. What I don't like is how centralized XRP is. For what it's supposed to do, this shouldn't be a problem. If you're the kind of person seeking true freedom and privacy, I'd suggest you look elsewhere. Who knows what the future will bring?
I very much disagree that it will be bye bye to XRP for good if the next administration will be a Democrat president. We have already witnessed Ripple fight the American government in an American court where an American judge have ruled in favor of Ripple.
We cannot be certain if Ripple will be used by American banks, however, if there is no utility we can be very certain that this will never be bye bye XRP hehehehe. Similar to many scamcoins in the cryptospace, this will continue to pump and dump and pump again hehehe.