‘Hard to Sell Something Without Utility,’ XRP Army Reacts to Bitcoin Investor Skepticism

XRP proponents are making merry after Bitcoin author Natalie Brunell shared an eye-opening summary of her weekend interactions with investors.

Her account describes a long list of doubts that still surround the world’s largest cryptocurrency. Many expressed the view that they had “missed it” by not buying BTC at lower prices, such as around $800.

In contrast, others raised concerns about Bitcoin’s dependence on electricity, the recoverability of lost keys, or longstanding myths about Bitcoin’s origins.

“Cannot Do 100X”

Moreover, some were unimpressed by the idea that Bitcoin could reach $1 million. They dismiss it as “only a 10X” and lament that they prefer assets capable of 100X returns.

Others said they preferred traditional assets like real estate because of tax advantages such as 1031 exchanges. 

A few noted they were discouraged from investing because their brokers advised against it. But one remark stood out in Brunell’s thread: some investors said, simply, “I like that XRP.”

Brunell concluded her reflection with a familiar phrase in crypto circles: “We are so early”. It suggests there is still a significant educational gap within the investing public.

XRP Army: ‘Hard to Sell Something Without Utility’

Meanwhile, Zach Rector, a familiar voice in the XRP community, responded to Brunell’s post with a tongue-in-cheek remark: “Hard to sell something without utility.”

His comment suggests that skepticism toward Bitcoin stems from its perceived lack of utility. He echoed a long-running narrative within the XRP community that practical use cases in payments, liquidity solutions, and financial infrastructure will drive digital-asset adoption.

Hard to sell something without utility 🤷‍♂️ https://t.co/01W20c45UZ

— Zach Rector (@ZachRector7) December 7, 2025

For many in the XRP Army, the investor reactions highlighted by Brunell illustrate why XRP continues to attract attention, even in rooms dominated by Bitcoin conversations. It offers a price advantage over Bitcoin. 

Meanwhile, industry leaders like Coinbase CEO Brian Armstrong have stated that it doesn’t matter what price one entered Bitcoin at and that owning a full BTC is not a requirement for participation.

Broader Reactions

Other voices also weighed in on Brunell’s post. Noble Investing noted that skepticism about an asset’s future returns is nothing new. He said similar doubts surrounded real estate for years. Yet it still became one of the most powerful wealth-building tools for generations.

Bloomberg analyst Eric Balchunas commented on the claim that Bitcoin reaching $1 million would be only a 10X. He suggested the person making that claim is “living in a fantasy world.”

Brunell replied that wealthy investors often seek to preserve wealth and avoid high volatility. Meanwhile, those seeking wealth are hunting for the kind of 1,000X opportunity early Bitcoin investors enjoyed — hence the skepticism.

They’re clearly looking for @ericjackson’s 100 baggers 🥲

But in all seriousness I think it’s from the mentality that if they invest a little and it goes 10x over the next decade, it won’t change their life.

The investors who are wealthy want to preserve their wealth and seem…

— Natalie Brunell ⚡️ (@natbrunell) December 6, 2025

Crypto Perception

Ultimately, Brunell’s thread and the reactions to it highlight that many investors still judge Bitcoin using outdated ideas. Meanwhile, within the XRP community, many believe the next phase of crypto growth will be by real-world utility, not just store-of-value narratives.

Still, the discussion confirms that Bitcoin remains the leading crypto asset, and investor opinions across the market continue to evolve.