@littleboy Ripple as a blockchain company is very strongly positioned and its products have already been well tested. XRP hodlers have been waiting to see a real use-case for the token and now this is on the horizon.
The bear market is in a fragile state and catalysts are expected to break it anytime soon. xRapid is one of them.
I don't think it's wise to spread FUD at this time regarding Ripple, although your post seems to have done well.
I think it's time to study the market long-term and invest long-term.
This is normally the best strategy.
You can gamble on volatility and expect XRP to deflate somewhat, yes, but I would buy back in again when you can.
XRP remains a strong buy long-term, along with Stellar they are both good networks.

'Single point of failure' : i'm not sure this is accurate as XRP is moving more decentralised in fact, which is the right way to go, and they know this.
If you search you will find articles regarding Ripple's intentions to step back from XRP.

My crypto-blog adespress.blog re: Ripple