The interesting thing is to cash out now- and invest into the amazon of cryptocurrency, when all is going down.
For all we know that crypto is here, it just hasn't been evenly distributed yet.
Ripple's underdog challenger, Stellar XLM, is trying to claim the same mantle. So are thousands of other 'utility coins', of course, including ETH, XRB, VEN, ICX, and even the "privacy" coins, like Monero.
The fact is this is uncharted territory. We don't know for sure whether we're at the leading or trailing edge of a bubble, and we don't know for sure that any, some, or most crypto will still be around in 5-10 years.
Interesting times!