David Schwartz, Ripple's CTO, argues that if investors genuinely believed XRP could reach $100, its price would reflect that faith. Instead, XRP's current valuation indicates skepticism, as the market's actions show that many aren't buying in large amounts. Market prices balance various factors, and significant price changes often depend on unforeseen events. Despite XRPL's utility in payments and asset exchange, achieving a $100 valuation requires tangible proof of growth, not just hope.