I did my own thinking and I'm not part of any "higher-level" fud campaign. Neither do I support or endorse any shitcoins for that matter. Now let me rephrase:

Bitcoin* has a real potential to change the world. It came out of nowhere some years ago and said - look, people can now send monetary value to each other without trusting each other and without requiring a trusted third-party to settle their transactions. This is huge. Bitcoin delivers on this promise and slowly but surely democratizes our financial systems, making them both global and censorship-resistent. It takes the banks out of business because we now have the means to store our coins on our own private devices (laptops, mobile phones, etc) and transact with each other without a trusted intermediary.

Now what about Ripple? Here's the deal - you don't store your coins anymore. You gotta trust Ripple. Your money is on their servers. Just as your bank next door. The server code is closed source. Forget about transparency and "utopian" ideals. We know better how to do it. Let us handle your money. We're using "blockchain" technology Nevermind it's privately owned, privately controlled, closed source and thus prone to politically-influenced censorship. That doesn't matter. Because we're certain that Santander, Google, SBI Group are there to serve our best interests. All of them are not-for-profit organizations with a sole mission to make the world a better place. But too much talk already. Let's catch the next pump wave with them and get rich.

Capische?

* When I mention Bitcoin above, feel free to replace it with any other cryptocurrency that stands by the same core values: open, global, borderless, transnational, distributed, trustless, censorship-resistent.