There are a couple of reasons I wont approach XRP. It is centralized, it is generated at whim of the creators, there is no cap or regulation, and is the only "crypto" I know to actually try to sue another crypto. I wouldn't call it a crypto as it doesn't follow that model.
If hackers attack the base of XRP, it is done for. It's like robbing a bank. If you are in XRP, get out. It's only a matter of time until that scheme implodes.