Recently, there have been various rumors about XRP, from "being included in the US strategic reserves" to "holders could become trillionaires." These claims are flying everywhere. Honestly, every time I see these, my first reaction isn't excitement but concern for many novice investors—another group being lured by these gimmicks and ultimately losing everything.

As someone who has been in the crypto space for years, I’ve seen too many "wealth creation myths" fall from peaks to valleys. Taking advantage of the XRP hype, I want to outline the three most common thinking pitfalls that beginners are most likely to fall into. I’ve fallen into all of these traps myself, and I hope this can help you avoid them.

**Trap 1: Confusing "possibility" with "certainty"**

Claims like "XRP being included in the US strategic reserves" are essentially just hypotheses. Some people haven't even figured out the probability and treat it as an inevitable event, borrowing money to increase their positions. This is the most typical gambler’s mentality. In crypto investing, there's a vast difference between "possible" and "certain." Don’t be fooled by this small probability gap.

**Trap 2: Overly trusting the founders’ words**

Project teams often say eye-catching things to raise funds and generate hype. Previously, some founders confidently claimed their tokens could surpass Bitcoin, but what happened? They ran away within less than half a year. To judge a project’s quality, you should look at its technical progress and ecosystem development—hard indicators—not be dazzled by founders’ "pie-in-the-sky" promises.

**Trap 3: Only thinking about "getting rich quick" and ignoring risks**

Let’s be realistic: even if XRP does have a chance to be included in the strategic reserves, the road involves passing legal approvals, market fluctuations, and regulatory changes—one hurdle after another. Any problem in these areas could cause investors to lose everything before they even get a chance to "get rich."

**My view:** XRP is worth paying attention to, but not worth heavy investment or gambling. The golden rule of crypto investing is "diversify and prioritize risk"—allocate funds across different assets and control the risk exposure of any single project. Greed is often the biggest enemy.