It's a good thing. Few cryptos have gotten actually get tested in a real commercial setting, and it's a good test for XRP.
XRP will win or lose based on whether banks, currency exchanges, and international business use it. If they see value in holding XRP, this thing will be huge. Potential a $2 trillion per day fiat moving around the world plus an untold amount held as "store of value." If they don't see value in XRP, Ripple network may still become the international "go-to" but XRP will be useless. Banks will either create their own blockchain solution or use another token, then interface with Ripple network to transact.
If you're interested in a good video explaining the difference between XRP and Ripple, check out the Yahoo! Finance coverage: https://finance.yahoo.com/news/ripple-xrp-everything-need-know-164535965.html