ripple is not a crypto currency - atleast not as defined by bitcoin. i'm sure it has it's target audience and some of it might overlap with that of proper cryptocurrencies but probably the majority of people who like bitcoin & altcoins for the "right" reasons dont want anything to do with ripple.
I disagree. Ripple will be helpful. Bitcoin alone doesn't solve every problem. We need to overhaul the whole financial system!
80% of the value is held by ripple founders.
This is equivalent to a coin with 80% premined blocks. Explain to me how this is not a scam again?