I found that many people cannot buy XRP because of issues with the exchanges. Here is the way to do XRP or any coins without exchanges.
1. Install VPN gate: https://www.vpngate.net/en/ , be careful when trading online.
1. Buy a Ledger device (go to the https://shop.ledger.com/pages/retailers,
DON'T BUY shop that are not in the list.
DON'T buy online or shipper scam you.
DON'T SHARE the 24 seed phrase for anyone, you will lost your money
DO use the seed the device