People are always going to buy the top expecting it to continue flying, remember its ATH is about $3 if my memory serves me right. Don't forget people bought BTC at $20k thinking it was going to continue to rise in price.
Good Lord, I thought we'd killed that misinformation. So are you blindly repeating what somebody (who you incorrectly regarded as trustworthy) told you? The truth is easily available for you - and others interested in actual facts instead of slogans - to access:
https://fudbingo.com/
XRP fanboys in strong full pushing force these days.
The very first 'FUD' which the site you linked tries to debunk is XRP's centralisation. The argument was lame (as usual) citing that it is based on a 'distributed' open ledger; BAM decentralised. However, it doesn't state that Ripple Labs (XRP creators) owns both the Ripple network (which XRP depends on) and 60+% of all XRP, besides they are working hand–in–hand with banks to implement Ripple network to improve their financial infrastructure—in other words, it is a project aimed directly against what cryptocurrencies are trying to achieve.