Why is it so hard to buy XRP?

I've been trying to buy XRP for quite some time now, but it seems like every platform and exchange has its own set of hoops to jump through. Why is the process so complicated? Is it just because XRP is a particularly volatile asset? Or is there something else at play here? I've heard rumors about regulatory issues and banking restrictions, but I'm not sure how much of that is true. Could you help clarify some of these mysteries for me? I'm really interested in investing in XRP but the buying process is just so frustrating.