XRP was always a bad choice, sad to see so many people fall for it and I hope Ripple devs must refund everyone who was damaged.
Ripple is prolly not decentralized, but their team haven't done any exit scam or anything of that sort that made it's investors lose funds, thus I don't know why you're talking about a 'refund', I know they are presently in some sort of crisis due to the pending lawsuit, but anyone holding ripple can sell if or when they want to, so if an investors decides not to, then they can't blame ripple if they lose all their funds, that's if the coin continues to plunge.
What do you people think of the XRP price after the lawsuit?
Feel free to comment what you think!
We'll just have to wait for the verdict, but what I'm sure is a lot is going to happen afterwards, but I'm not sure of the direction it'll take, whether positively or negatively.