Ripple is an idea that is both way too ahead of its time and obsolete simultaneously. It depends on trusting people to be honest about competing for limited resources. Ripple is like the old charge plates from the 1940s. It will work better when people are not competing for scarce capital.
well im not sure what this ripple reloaded will be like, but the original was about creating money where / when it's needed and by the two parties who need it. In this sense it is not the old competition over scarce capital as fiat and bitcoin are.