I can't say for certain if you're a scammer for life, but i'm certainly not taking your bet 
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.I can work with that. I've actually grown very fond of the idea of "provably fair" things and escrow these days. I am starting to believe there is less and less reason to ever need to trust people for many of the things we do here on the forums. Lending is still a difficult topic, but I think a trust network like Ripple will help with that, since it's not just your reputation that you're selling, but everyone close to you as well (less likely to scam when your neighbor and family suffer from it).
I've also grown to believe that Bitcoin is far from centralized, which should be clear to anyone who paid attention to MtGox, these forums and the recent GIT pushes.
Watched an episode of American greed this guy scamed family and Friends that he knew for 30 years
Well, there's always going to be one, just like with guns. The key in Ripple is to spread that out so that the people around them can take the hit in reputation and suffer the financial losses rather than the end-merchant. It sounds shitty, but it's better than family and friends (who actively agreed to intertwine their lives with him) take on his debts (in Ripple network by default) than people who have no idea who he is when he tried to buy something from him. That will change everyone's mind about how much they trust each other. Ripple really will create uncomfortable relationships for some, but for others it's going to draw into focus things that should not have been ignored previously. Very interested to see how it works out.