I am not invested in XRP but I don't think it will die and neither will many other altcoins. They are centralized but backed, used and supported by governments and centralized organizations.
To date, leading financial institutions such as Santander, American Express, Bank of America, Guggenheim Treasury Services (USA)...and many companies around the world are using XRP and RippleNet. Not to mention, there are reports that 10 governments are partnering with XRP to create CBDCs…or Blackrock has filed for XRP ETF.
How will XRP fail?
https://www.thecoinrepublic.com/2024/10/16/200-institutions-including-bank-of-america-to-use-xrp-confirmed-in-judge-report/If BoA officially adopted XRP for payments, then XRP's lifespan would be extended. We're yet to see how long banks are going to "play" with XRP. It won't be long before they get tired of it. Launching CBDCs on top of the XRP Ledger is questionable, especially when governments want full control over their currencies. Why use an existing public blockchain network when they can make their own from scratch (private)? Ripple, Inc. recently launched the RLUSD stablecoin with the hopes of keeping XRP afloat. But the competition is fierce, as established players (USDC, USDT) have better recognition in the mainstream world.
Either way, nothing beats the longevity of decentralized cryptocurrencies. I'm certain BTC will outlast many centralized coins in the long run (XRP included). To each their own. Just avoid putting all of your eggs in one basket, and there should be nothing to worry about.