If Ledger went broke and their Live service stopped working, would I lose my XRP crypto? Or can I still trade it using the app I have installed? The real cost of using this tech is horrendous, as you have to spend hours figuring out both the paradigm and operational details.

I'm not sure if you would be able to move coins from a wallet that is no long hosted. The hosting service would need to verify your ownership of the wallet, before it would be able to transfer the contents to a new wallet.

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