I am curious, why do you think that Ripple is a bad idea?
I don't say that I like it very much myself, I have mixed feeling about it.
Any particular reason for disliking Ripple?
No reason, except that posts "Premined! Beware!", despite the fact that Ripple is not cryptocurrency, but you must buy 300 XRP (this is CC) ~ 1.5 $ to use Ripple. I think it's just a misunderstanding of what actually is the ripple.