On my own point of view as I notice in bounty program they are just looking for jr. Member and up so I think newbie is not yet eligible to join bounty program.

Those of us who haven't purchased any crypto before, is it too late? Should we even bother trying? I have read the market was falling lately but it seems pretty pumped already. I wonder if there is any room to grow anymore.

As far as I know, China and Russia have banned the crypto exchange markets.

Wasn't that one of the purposes of Bitcoin? I know XRP is faster and cheaper, but if we are comparing the "mission and purpose" it's very similar.
The main difference is that XRP is really faster, but it's also not meant to be a currency, rather a fast payment system that can improve the existing banking sector, while BTC doesn't aim to help the banking sector. It's meant to show people they can do without  banking.

Fun fact: Do you know that there's 100 billion XRP and half of it in the hands of the creators? The centralization and and dev greed gauges are off the scale with this one.

Hello i'm newbie in forum. I can earn activity point but how can earn merit point?

Toward the upper left, click on "profile."
At the next page under "summary," it will display your activity, merit, and position.

Activity and merit are what you'll need to move up in rank on the forum.