I’m very grateful for smart and informed posts like this, for it can really lead people to make informed and unimpulsive choices in the cryptosphere. With that being said, I hope everyone makes money in any investment they choose, including ripple. I do not and would not invest in ripple. Besides the huge and great point you made about freedom from banks and decentralization, it seems that too many people just worry about short term profits at the expense of the main goal - viability and scalability in the long term. Very dangerous way to invest.