Yes, yes and yes!
It's just a matter of time that XRP (the coin) will be taken down. Even if they finally find a use of it, it will be too late: the SEC will sue them for proposing an investment token not backed by any performance for several years.

I wrote a short article about my thought on Ripple and XRP. Feel free to give it few minutes of your attention:
https://steemit.com/ripple/@pada-1/my-thought-about-ripple-xrp