Recently, discussions about XRP being included in the national strategic reserve have caused a frenzy in the community, with countless people rushing in to ask whether they should hold heavy positions, whether to buy in at low prices, and if this is a once-in-a-lifetime opportunity. To be honest, stories like these appear in every bull market, with different forms and different coins, but the套路 is always the same. As an observer who has experienced multiple cycles, I want to tell you three realities about why this expectation might be overly optimistic.

**Regulatory approval is far from simple**

Many people hear a certain tech founder’s remarks and immediately take it as a signal of national policy. But the reality is: for the US to establish any strategic reserve system, it requires coordination and approval from multiple departments such as Congress, the Treasury Department, and the Federal Reserve. This is not something that can be decided by a single order; it involves considerations of international politics, economic stability, market impact, and more. For a crypto asset to be integrated into this system, it would take at least 5 to 10 years of compliance verification. The positions you hold now will have gone through countless cycle fluctuations by then. The key point here is: the so-called "nationalization" of crypto assets is always subject to compliance as the first hurdle. Without this foundation, even the most compelling story is just a story.

**Even if it happens, retail investors won't get rich overnight**

Suppose XRP really is included in the strategic reserve (let’s assume so for the sake of argument). How would the government acquire it? Certainly not by retail investors placing buy orders on exchanges. The government would use bulk transactions, targeted subscriptions, and other methods, with prices strictly controlled within a certain range. Historically, whenever an asset becomes a national reserve—whether gold, the US dollar, or others—there has never been a situation where ordinary people get rich in bulk. On the contrary, once the regulatory framework is set, secondary market volatility tends to intensify significantly, making retail investors more vulnerable to being swept up during policy adjustments. Stories of getting rich quick are attractive, but flipping through historical records, the ones who actually profit are rarely the majority following the trend.