Investing is gambling in some way... you invest to make some profit in the future, the same as you place bets and wait for results. Of course investing can be less risky if you consider all factors before investing, deep research...and few other tricks to minimize risks.
After all nobody can predict the future, so even if you do everything you can still lose your investment, you never know... because there's no "free of risk" investment!
Now I am not specially interested in XRP, I just have it from long ago, too many people talk about it... good and bad stuff... and who knows what can happen in the future. But if you know what is XRP, their plans and what they stand for, and you like that, then invest some money and support it, doesn't matter what other people say...if you don't like it, don't invest, find some other project you really like, simple as that!