Finance educator Coach JV has offered a different explanation for the growing frustration among XRP holders toward Ripple executives Brad Garlinghouse and David Schwartz. He believes years of
Finance educator Coach JV has offered a different explanation for the growing frustration among XRP holders toward Ripple executives Brad Garlinghouse and David Schwartz.
He believes years of unrealistic price predictions, excessive hype, and expectations that never came with guarantees have contributed to the community’s dissatisfaction. However, he maintains that investors need to separate their confidence in XRP from their expectations about its price performance.
In his tweet, Coach JV noted that many XRP holders have become conditioned to expect a specific announcement, an important date, or a major development to trigger a sudden increase in the token’s price. He described this mindset as “hopium” and warned that relying on such expectations can lead to poor financial decisions.
He believes investors should pay closer attention to macroeconomic conditions, manage their risks, take profits when their targets are reached, and move capital into other opportunities when necessary.
Coach JV also clarified that XRP remains his largest cryptocurrency holding and that he continues accumulating during market downturns. However, he stressed that maintaining conviction in an asset should not prevent investors from making rational financial decisions.
The reason David Schwartz and Brad Garlinghouse are facing so much frustration from the XRP community has less to do with XRP itself and more to do with years of unrealistic price predictions, manufactured hype, and expectations that were never guaranteed.
Hopium is one of the…
— Coach, JV (@Coachjv_) November 12, 2026
Coach JV explained that he previously sold portions of his XRP holdings when the token reached his predetermined profit targets. He then moved some of that capital into cash-flowing assets, strengthened his family’s financial reserves, and maintained liquidity.
He also referenced the October 10, 2025, market selloff, which followed renewed tariff tensions between the United States and China. According to Coach JV, he used the subsequent decline to deploy capital back into XRP at lower prices.
He described his approach as a disciplined strategy rather than an emotional reaction to market conditions.
Coach JV maintained that investors can remain confident in XRP while taking profits, questioning price predictions, and considering other investment opportunities. He also warned against allowing cryptocurrency influencers to determine how people manage their family finances.
He encouraged investors to prioritize cash flow, protect their principal, maintain liquidity, accumulate strategically, and take profits when their targets are reached. He connected these principles to his CAPL + DR framework, which he said focuses on building wealth that can withstand multiple market cycles.
The comments beneath Coach JV’s tweet revealed different perspectives on the frustrations within the XRP community.
Greg Coley appreciated the financial advice but questioned whether it reflected the circumstances of ordinary investors. He explained that many people lack the resources and time to study financial markets or actively manage their investments because they have demanding jobs and face increasing economic pressure.
He urged Coach JV to show more empathy toward investors who are already struggling financially rather than lecture them about market discipline.
Keith offered a different explanation for the community’s frustration. He believes the central issue is XRP adoption rather than its market price. He questioned why Ripple has not incorporated XRP into the operations of companies it has acquired over the past few years, particularly when its executives have described the token as the company’s “Northstar.”
He maintained that holders have legitimate reasons to question Ripple’s adoption strategy, even if complaints about XRP’s price are less justified.
These responses reveal two distinct concerns among XRP holders: the financial pressure created by disappointing price expectations and questions about Ripple’s commitment to expanding XRP’s practical use.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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