XRP is no better than an other crypto or paper in terms of security or fraud unfortunately... liquidity and the ability to exit in a market if demand is equal to zero. People can make money with xrp, dinar, or whatever you choose to hold but when something happens how your able to transfer liquidity to yourself to be spent in person for goods matters.

Precious metals are openly accepted to have value and also rumored to back currency and or crypto ... it takes the guessing/risk away.