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The day I back a centralised crypto with ties to the banking system...

lol, fair point :-)

I may end up doing a "Why I hate Ripple" post one day, but it would probably be far too long! I don't trust that coin further than I can spit it.

I'd be interested in that for sure, I literally don't know a thing about crypto and really need to learn...

Ooh. That's not good. Ripple is like the antithesis of Neo. The more I learn about Neo, the more I like it. Digging into Ripple can be... ...disturbing.