The SEC lawsuit was a risk for the XRP token and a more serious one for Ripple.
XRP, the coin, is one foot in the grave. Ripple, the company, may be insolvent by the end of 2021 if it can't raise money by selling XRP and its other products aren't profitable. I don't see a viable alternative to replace XRP sales except to move out of the US and exclude US investors from buying XRP. They would have to start from scratch, because all XRP profits would be disgorged since they all occurred when Ripple was a US-based company.14 January 2021