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.
Yeah, the " if you don't know go read a book" argument always wins, no surprise here.
Even let's suppose I were full of hatred towards Ripple, the supposed "rational argument" you post can at least educate some readers without hate-based opinion, as my question is still valid, you can answer it without convincing me.