Ripple is meant to be a stable means of exchange it's fast and easy to transact it is now risky because the value has gone up so much with 2/3 of the currency yet to be allocated with 1billion ripple been released every month.

Having a stable currency isn't such a bad thing and their is a maximum amount that can be created I wouldn't write it off as it certainly has it's placed in a well hedge portfolio but now is a good time to take profit!