I totally understand how the community feels about XRP not being decentralized.
However, it is important to understand that the Banking system wouldn't adopt the coin if there wasn't enough control.
In the end it will be decentralized, still be secure and faster.
I also believe in XRP/Ripple and hoping to improve the services that the current banking system is offering!
They will indeed fix a big problem in today's society!
HODL! Ripple is one of very promising coins. I beleive it should grow in 2018! When you invest in coins like Ripple you should understand that reward won't be tomorrow or in one week. It could take months.