The XRP community is reevaluating its long-term expectations after seven years of limited progress, largely due to regulatory hurdles. Community member Zach Rector highlighted that unrealistic regulatory timelines, rather than XRP's potential, are the primary issue. The ongoing SEC lawsuit and sluggish policy development have disrupted the community's expectations. A recent report from the Bank for International Settlements (BIS) indicates that G20 countries are falling behind on cross-border payment targets, further impacting liquidity and crypto markets. Despite these challenges, Rector remains optimistic about XRP's infrastructure and encourages the community to focus on tangible progress.