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The average retail investor is still waiting for "the price to go up" before selling their coins to another less attentive person. What they didn't understand is that while they were shouting against banks, Ripple was becoming the bank.
If you have XRP in your wallet, you've stopped being a rebel and become a shareholder in the most powerful infrastructure on the planet. The "Cannibal" mentioned by the IMF has stopped hiding and is now sitting at the table.
Ripple Prime
The retail investor thought Ripple Prime's broker acquisition was just another news story. Mistake. It's the move that will liquidate the competition. By absorbing Hidden Road's infrastructure and obtaining the FCA seal in England, Ripple has created a closed ecosystem.