I made my statement based on my careful study of Ripple's so-called wiki which looks like a graffiti by teenagers, now your turn to answer my question in the first sentence.
Somehow I think no amount of rational argument will change your hate-based position. If you had
really studied the "graffiti-by-teenagers" wiki, I wouldn't have to tell you the advantages over both banks and bitcoin.
So I don't see any further point of talking to you.