You don't mind ripple being centralized and private? It's completely opposite to the crypto principles and many people in the cryptocommunity are throwing stones at xrp, as you surely know. They say it's a clever plan by the banks to take possession of valuable btc and eth, while leaving us with xrp they can easily manipulate and eventually crash. I know xrp is a tempting chance for profit, but maybe it's a test for all us to see if greed will overcome reason and principles.
The idealism of BTC is unrealistic. People don't own BTC because they want to be decentralized. It's more of a FOMO stereotype. A true decentralize currency needs to have one value, a $1 today will be worth $1 next month or next year. Remember the man who bought a pizza worth $114 BTC? We called him foolish. Do you want to be called foolish in 10 years time?
Don't get me wrong, I love the decentralize idea. But decentralize idea needs to come up with something more like fiat currency. TRUST, STABLE AND CONFIDENT. People are losing trust in BTC. It's never stable. If the bank got robbed today, your money is still there. If a hacker hacked an exchange/wallet today, you will lose everything.
I see your point and it's a valid one. However, xrp seems kind of suspicious. Where are we getting if we preserve the status quo in finance, leaving it in private and government hands. We may earn some money on xrp, but is it all about money? It mostly is and I'm too idealistic :)
At the moment, yes, it's all about money. Unless, and until I see a currency that is; well govern, trust and stable. None of it exists as we speak. Decentralize currency, even if it does exist. we have to fight among ourselves, inflation/deflation, eventually, it will be illegal, all governments will hunt it down or try to take over.