Do not forget food, water, heat and energy ... and protection for same. I mean, if we are talking about things failing and getting really bad. Financial investments are for a functioning, mostly peaceful, mostly lawful, world. Even that sage advice to buy when there is blood in the streets depends on things turning around for the better not long after.
XRP is just one of many cryptos, which in turn is just one of many investment choices. That sub-dollar price (now sub-quarter) suggests a lot of upside potential, but then how many coins are sub-penny? XRP seems to have a use case, a growing eco-system with a strong and active team working behind it, and potential longevity, i.e. it should out last many of the quick-buck coins. But frankly, because of that, I am not sure any moon shots are imminent.
In the meantime, you can trade it. The chart says we have had four small little upticks during this latest (crypto-wide) slide. Is this fifth upturn the real thing?