I would agree @zoidsoft.
There are a lot of coins that are going to disappear or collapse. Personally, I am with you on Ripple...it isnt really a blockchain, just a shared data base they are dressing up as blockchain.
When I look at the crypto market overall, that is where I see it heading...particular projects will fail while other succeed.
At this moment, Ripple way overpriced and STEEM way under priced.
Let us see when it evens out.
Stellar is another one of those banker coins. Jeb McCaleb runs that project and he used to run Ripple. Both are in the top 10 of market cap. Hopefully this is more the case because bankers are pumping than actual popularity.