In terms of XRP, it's really not about the price, it's the utility. XRP and the company behind it Ripple are using crypto as an alternative system to SWIFT. The idea is that banks can use their network to transfer money internationally by converting to from fiat to cyrpto, send the crypto, and then convert back from crypto to fiat on the receiving end. Which would really challenge the central banks if it gets adopted, and why they tried to get the SEC to tie them down with stupid lawsuits.